If we had a per capita income of a million bucks a year, we'd still have people who sleep in cardboard boxes under freeway overpasses. Sometimes poverty is a lifestyle choice.
Thats true too. The homeless are not always people who just had terrible luck. A lot are schizophrenics that actually come from middle and upper class families and backgrounds but are just disturbed. A lot are drug addicts and alcoholics. And there are some who just had a string of terrible luck, however they are not anywhere near the majority. Those who are truly down on there luck could easily be helped by private charities except that bureaucrats keep taking more and more in taxes that people otherwise probably would have donated to charity.