Maybe you should play through the worst-case scenario again or especially the dozens of other situations (shades of gray instead of black/white) where a separate living unit makes sense. Because, hand on heart: the dog doesn’t want to live there alone, no guest voluntarily goes to sleep in a basement apartment, rather they drive back home at night or crash on the sofa. Children also feel pushed aside, home office is far nicer above ground, and the caregiver only really pays off in this house when only one person is drooling (surviving). If you have this caregiver because you are in this condition, they’ve already made the main apartment their own. You can be glad if you’re not eventually sent down to the basement. If I want to be cared for at home, then he/she should please sleep next door and occasionally pat my hand. For all other shades of gray and care levels: housekeeper or caregiver may gladly have their own home and let me live independently. Unless I have a castle, then my staff may gladly live in the west wing. Yes, I know individuals to whom staff moved in. But that was back then, black and illegal – everything else nowadays is rather “doubtful,” since you rarely can pay a proper and appreciative salary.