This is the best summary I could come up with:

To stretch her legs, she had to leave a passenger door ajar, but September nights are raw in the Pacific Northwest, with sheets of rain that cut to the bone.

They are sprinkled across the Midwest in Green Bay, Wis., and Duluth, Minn. And they dot the spine of the Pacific Northwest, providing a safe harbor for a growing cohort of working Americans who are wedged in the unforgiving middle.

With poor credit, the only loan she could find came at a punishing cost: For the 2015 Ford Fusion with over 100,000 miles, she is being charged interest of 27.99 percent, equaling a payment of $398 per month, one-tenth of her take-home pay.

Each morning, Ms. Audet used a portable toilet to get ready for work, then commuted to the downtown Seattle office of the Washington State Department of Social and Health Services, where she spent her day sitting behind a plexiglass partition across from some of the city’s most destitute residents.

Many of them have jobs: In Denver, 135 out of the 217 people who slept in one of the lots provided by the Colorado Safe Parking Initiative earlier this year earned an average of $1,581 a month.

After losing his job in January as a purchasing agent for a gardening company in Denver, Josh, 37, who asked that he be identified by his first name only because he had not told his family about his predicament, moved into his Toyota RAV 4.

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