Being neet with neetbux is kind of like being royalty, since before the 19th century only nobles could live comfortably without working.
They didn't all live in palaces either, some barons and lords in the UK and France lived in apartments. They did have nicer furniture than a neet (unless he is an antique collector) but not necessarily a better quality of life.
Medical care, food, sanitation, overall safety was certainly worse back then. And they had no water toilets or tap water either.https://www.npr.org/2015/03/12/392332431/dirty-old-london-a-history-of-the-victorians-infamous-filth
Even if you were a baron in a nice 1500sqft apartment in London, you were still surrounded by the smell of horse and human shit everywhere.
Open your window, and shitwinds fill your home. There were no toilets so everything was dumped on the streets.