I mean, most of us will probably never actually experience having murdered someone.

Yet we still can enjoy the though process of such a person through the book. I don't see why "paying rent" is any more difficult to experience through reading than "murdering" - if anything the general era/geography/social differences are much more significant than these (I live in an ex-Soviet country and read it as a teenager, twice - it had such a profound effect on me. Even still seeing the Russian reality of the time was harder for me (but still easier than I believe it would be for a US teen), than all the intricate internal monologues).