Unlike Sheldon and Leonard, she doesn't have student loan debts. She doesn't go out much and when she does, it's mostly to her job (where she gets a discount). Her car isn't new and needs repairs, so she's most likely not paying off a car loan.
In comparison, Leonard's crew go to comic cons, buy movie trinkets, stay up with the latest electronics, have nice cars, probably have years of student loan debts, and also eat out for the majority of their meals. So to live the lifestyle (and probably keep lots of savings) that they want, it makes sense for them to have a roommate.
As it's stated in several episodes, Penny mooches off the other characters. She eats their food and use their wifi. She seems to live paycheck to paycheck, and doesn't have savings like they do.
I work on tips as a bartender, so I understand the struggle.
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