You seem like a nice girl, but you still don’t seem to get it, and that’s either sad or silly, depending on how you look at it.
Your grandpa — that you continually reference — and the people of his generation, or my parents, or your parents (most likely), well, they didn’t have all these opportunities for growing and exploring and risk taking in a very expensive city they moved to as a conscious choice.
They had things like kids, and bills, and jobs to deal with, and that’s what they did… they went to work, they paid their bills, and fed their kids.
They didn’t go off to San Francisco on a lark because it might be a neat place to live. So the draining focus of their lives was how to make sure their children didn’t make stupid choices that required bailouts in order for them to exist in their chosen land of milk, honey and exploration.
Maybe you should seriously consider regrouping — go home, live with your parents, find a job, learn how to manage your money with the income you have before you decide to blow it all on rent you can’t afford, putting yourself into the stressed out state that simple math would have forecasted if you’d really thought about what you were doing.
Maybe you don’t need to live in San Francisco, perhaps you should just visit there on vacation.