So when every time you leave the house you take all your guns, your ammo, your drugs, your food, and your clothes with you?
Even common berks in Night City will usually have a gun or two laying around the house, the city is a dangerous place and the cops can't be trusted. Now, we aren't talking SMG's and Assault Rifles... but a simple pump action shotgun, or a handgun, or a hunting rifle... these things would be relatively common. As would drugs, clothes... I don;t know if there is going to be a gear option, or what that would entail, but possibly some of that as well.
Now no, not everyone is going to have crap worth taking, but at the same time, a dwelling with literally nothing of utility in it would be pretty rare. Except maybe for coffin hotels...