Are you sure that it's not the other way around?
From my perspective having multiple flats or apartments would be immersion breaking. We are small thug, involved in something which is clearly over our heads. But yeah, lets run around the city and shop for some luxury apartments, because nothing cheers up better that some leather futon, right? I'm sure that Johny Silverhand would approve.
But at what point does our small thugery turn to big thugery, u telling me as my eddies and rank increase, i will have nothing to show for it besides more body mods/weapons from start to finish?