Inn keepers should have a lockbox in their basemants that they sell out for 500 gold or so. Still gotta rent the bed each night but at least one could live there. Maybe I'm missing something, but I just don't see any reason to make it difficult on players to choose to live in a certain area of Skyrim. Not asking for a house, just the ability to live in one place with an alt character if I choose without the need to travel to another city to store my things.