The report is a good summary and a great reference source. Unfortunately the overriding message taken from the report (in part because the NZ Initiative chose to highlight it) was that high housing costs are making some people poor. That is undeniably true. It is a fact. But armed with the facts people continue to expose themselves and their children to that reality.
Take a step back. Those now three famous ways to steer clear of poverty are; finish your education, have your children after you marry, and stay married. Life's expenses are manageable if people make sensible choices, and most do.
The report does allude to this in the executive summary:
Benefit levels and conditions presumably reflect public opinion about the causes of hardship. The more than four-fold increase since 1970 in the proportion of the working age population on a benefit other than the unemployment benefit could be influencing public perceptions. One survey of public perceptions suggests that many might not be accepting the most exaggerated claims of the extent of child poverty and consider poor decisions to be a material reason why some people of working age are experiencing hardship.Poor decisions lead to poor lives. I have made some shockers in my own but I did learn from them.
This isn't about being judgmental or on a moral high horse. People need to think ahead, take seriously the consequences of the choices they make especially about forming relationships and having children. Unfortunately welfare has relieved them of the worst outcomes and diminished that ability.