He's not "broke" - he just isn't rolling in cash, which is where most people find themselves much of the time. He can't afford a place on his own but he isn't totally penniless. And looking for a new place doesn't make him "semi-homeless."
Look, Peter is always going to be a guy in his mid-twenties facing the kinds of obstacles that people in their mid-twenties typically face. If you think he should move past all that, you're going to be disappointed.
I started reading Spidey in the 4th grade. I'm 49 now. Whereas Peter used to be a relatable peer, I've long since moved into areas of adult life that Peter will never quite get to. And that's fine. I don't need Peter to grow up with me. I still love the character, and I understand and appreciate the fact that he has to remain, like other serialized comic book characters, "evergreen" for every subsequent generation meeting him for the first time.
My continued enjoyment of the character no longer comes from seeing Peter struggle with the same problems I do but rather in seeing how different creative teams approach the character, how they add to the mythology, and how the character and his world is constantly refreshed, adapting to current tastes while still retaining what makes him uniquely appealing.
My take on the Spencer/Ottley FCBD debut is to give it a big thumbs up. This is very nice work, showing an instant ease with the character. I like that it doesn't drop any seismic bomb or tease some earth-shaking development to come. It's just a confident slice of Spidey storytelling that shows that this team is already right at home. The quips are genuinely funny, the art really pops and the introduction of Boomerang as Pete and Randy's new roomie is a perfect set-up for dilemmas both comical and deadly on both the civilian and superhero sides of Peter's life.
Can't wait for the first full issue of the new run to drop.