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.
Many homeless people are mentally ill or addicted to drugs and/or alcohol. Relatively few are people who just hit hard financial times for whatever reason.
Some are just people who aren't blessed with a decent IQ and are unliked by their families or anyone else.
Some I feel sorry for and some I don't. But nearly all of them have opted out of the social safety net that exists. If they're not staying at a shelter, it's almost always because they don't want to live by the rules in effect there.