Agreed. I’ve done volunteer work with homeless and talking with them, a decent chunk fall into this category. If it’s not drug abuse, alcoholism, or mental illness, the rest are homeless because they want to be.
The families that are homeless due to unfortunate circumstances in life do exist, but they are very very few.
All you need to do is talk to them and actually “see” them. A lot are educated. Nobody here gives them money. Some will hire them for day jobs. The families are the ones that really need the help.