You mean densely-packed cities? I would not call that sane. I would call that hellish.
You have no privacy,
There are forms of non-SFH density that offer plenty of privacy.
no yard for your kids and pets to play in,
The existence of rowhouses makes this false. It’s completely possible to have a yard while not living in densities that support public transportation and cycling.
Higher densities also usually come with common amenities like parks, where your children can play, and also walk to/cycle to without risking their lives. Their friends can also walk/cycle there.
almost no living space,
Baseless falsehood.
a building manager threatening you with homelessness
Higher densities does not equal living in a rental apartment, false again
and catastrophic debt unless you bow to his every whim,
As opposed to living in a house which you don’t have to incur any debt whatsoever to obtain? Hell of a statement.
and you pay a king’s ransom for the dubious privilege of living like that.
Cities are usually more expensive on account of the fact that people actually want to live there, because people want to be close to the things that they want to do, and not have to spend their lives sitting in traffic behind the wheel all their lives. Lots of places have also tax incentivized living in suburban densities to the detriment of those living in higher densities, so it’s not like the higher cost is a law of nature.