I'm not being harsh or nasty or cold or condescending in any way. The truth bears out that many "homeless" people are that way because of mental illness, substance abuse, very poor decision making skills, or the fact that some actually do have a home. For example in a recent survey, many freeway off ramp panhandlers actually choose that form of work and actually dress up for the part. The very article uses the "foreclosure crisis" as a cause, now I'm sure some people were forced to sign papers.....
Please don't take this as a cold heart. I will feed anyone who is hungry, I will provide shelter and water for the asking. I will pray for and help any of those people - for this I do not care what their individual problem is. But to truly help the problem requires thinking above the level that got them there in the first place.
We are all just one smack to the head, one rotten person with lawsuit mania, one batch of bad Chinese soup away from plummeting off a precipice. That's life. Get up of your face and keep plugging. Been there done, that and I'm sure it will happen again.