"now who will hire an old homeless guy out of work for nine years with just a few years until retirement" Why don't you? Most people who hire were once just like you.. except they had ambition and were not lazy. Remember that great business idea you once had? They had one too and instead of bragging about it in a bar they sat down and figured out how to give it a go.
How come, then, are you so indifferent to others in your situation? You hire them, noble man.