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It challenges the player to play the best they can.
Because having a higher class apartment literally doesnt give you anything other than increased costs. Downgrading means you have to pay less each month.
It's a good thing since you have to pay less to begin with. Meaning you have more at the end of the day.
That's the best solution, yes, but if you want the achievement you have to move.
Once you have it there's no reason to move in future playthroughs, that's what the thread was about.