I truly believe that I am old enough now, after living on my own for the past 4 years, paying for college, graduating college while working the whole time to pay for tuition, that I have already learned responsibility, and that them charging me $150 to live at home, making money off me, is going to teach me so much more and turn me into this much more responsable adult.
Lets think of it this way, If you got laid off from your job MR.FLASH and you couldnt afford to pay your mortgage any more and had to sell your house, and you needed a place to stay while you get your feet back on the ground, you would have no problem with your parents saying, "you and your family can stay with us, but it will cost you $600 a month, which is (just for an example) $200 cheaper than your mortgage. Sure, I know would definately give them money for letting you stay, but would you think it is right for them to set a price and say if you dont like it than find somewhere else to live.
Well, if they're saying "if you don't like it, then find somewhere else to live", then I will cease to defend them as of right now, because thier reasons for charging you are clearly different from the way I'd treat my son when he gets to that age. My reasons would actually be to in fact help him save money, as all the money that I "charge" him will go into an account that I will not touch to benefit him in a future endeavor, house purchase, honeymoon trip, etc even if it is unbeknownst to him... I would NEVER PROFIT from either of my kids. If that's what they're doing then they suck, but I was looking at it from my point of view, and what I do as a parent. Maybe that was my mistake. If your parents are doing it to put money in THIER pockets, then they suck...
As far as what I'd do if I were put in that position, well... I plan for those things specifically. I keep, in the bank at all times an emergency fund that will pay all my bills for one year, mortgage, cars, utilities, EVERYTHING, that we never touch. If I ever were to be laid off, I made damn sure I wouldn't have to worry about anything except looking for a new job. I guess I took the "be prepared" motto a little too seriously when I was a Boy Scout. My point is, I know what it's like to live poor, and I WILL NOT subject my children to it, but at the same time, they WILL learn a work ethic, and they WILL have responsibilities. I commend you for the things you've accomplished thus far, but maybe your parents are going to put that money aside for you, like a savings account like I'll do for my son and daughter. If they're doing it just to take your money and spend it on themselves, then I stand corrected, and they suck...