We're not owed a living!
No but $4,000 is $4,000 more than a poke in the eye with a sharp stick!
Top it up yourself like everyone else everywhere in the world has to!
You can buy a nice villa for waaay less than half your salary be you FO or Capt which is more than you can do where I hail from. So not really seeing the issue here. If you want company accommodation take it, if you don't well then don't take it!
The reality is that it's not as salubrious as it was in years gone by. Well isn't that the way of the world. It's hardly a huge issue everyone still gets paid the same or more just harder to fill up the second Hummer or pay for boat parts but not exactly heading for the breadline here are you chaps!