Overcoming homelessness is something that is so rare and exceptional that it requires genius to accomplish? Shouldn't the basic life skills of finding work and being able to take care of your own needs be something expected of everyone?
You're oversimplifying the many reasons behind homelessness, and the immense difficulty of getting out of it without an established financial infrastructure.
And by the way, the real slackers are not homeless at all - the real bums are on every possible kind of goverment handout, and never come anywhere near homelessness. They're the ones buying steak with their food stamps while they text on their Obamaphones back to their friends in their Section 8 houses.