At the beginning of the year, it looked like Jeremy Miller and his 9-year-old daughter were finally going to have a home of their own. They’d been homeless and relying on family, shelters and motels for housing. But he’d found stable work in the Kern County oil fields and had enough money for an $875-a-month, two-bedroom rental in Bakersfield. They moved into the apartment in March, and Miller lost his job within days. The pandemic caused a worldwide drop in demand for oil, triggering mass layoffs in the oil patch. Miller tried to find other work through a temp agency,...