"chalie" as you call me does get out. Average 10,000 miles a year and usually at least 2 5 week trips with various trips in between. I retired at age 57 and now barely 65 so I have no need to work from the road nor do I change my oil or sleep in Wal Mart lots. Good neighbors and friends surround me. Most people choose a different life style than you so don't be so condescending of them.
For those who do rent, a good insurance policy will protect them. Believe it or not, their are a lot of intelligent people who RV and know how to protect themselves.