If only it were just hole in the wall places..
The local higher end places like sushi and hibachi joints are also staffed almost entirely by Chinese migrants around me. One of the places I worked for a while even had a weird arrangement to get people into the country, probably illegally (they didn’t stay with the company for more than a month before moving on to a bigger city, so I’m sure this was some sort of illegal immigration operation.. none of my business.)
Personally, I’d go for the person. Roach phobia entirely not factoring in here.
My attic is over a detached garage. If someone can access that space somehow, and wants to live there, whatever. It’s roomy enough to be fairly comfortable, tho you can’t stand up straight, and it’s insulated with electric outlets, so I’m not suuuuper likely to find a frozen person in spring. Not great, but as long as they don’t leave a mess or whatever, meh, doesn’t harm me any beyond electrical use. I probably wouldn’t even find out about it for a long time, since I never go up there; the ladder is duct-taped where it cracked at some point, and I can’t be bothered to replace it.
Roaches, however, would not stay contained to the garage. That’s a deal-breaker.