It is anti-social to force everyone to fully take on the responsibility of all their actions, singularly and personally, forever and with no limits.
You hurt only yourself by creating traps that not everyone can escape from, and then having to live with people who have to fight for a living by any means they can.
As for solutions having been tried: Germany does a damn good job of dealing with unemployed and worse off as actual humans and has no homeless epidemic.
As for your first point: Supposition and assumption. My sister is the very first example of a person who has done a LOT in her life wrong and is "paying" for her mistakes by having to live on government aid. I pay fairly high taxes, pretty much half of all i earn, but i do it happily knowing that so does everyone else, resulting in my sister and my nephew living in dignity, with my nephew having access to high quality primary and secondary education and a chance to be something better; without any single person having to sacrifice most of their life to enable this.