The homeless guy has no money to buy a $3 loaf today.
After he gets a million dollars he will have money to buy a $30 loaf of bread.
After he gets a million dollars he will have money to buy a $30 loaf of bread.
But the truth is: money is just a tool, a way to get something.
In your example, there's no point in giving a million dollars to the homeless, it would make much more sense to make the $3 loaf cost 0,3 cents. Now everybody can buy it.
But if you just drop money in the lap of somebody that doesn't know how to produce value and change this value for money, those who produce the real value and owns the means to produce it will still making more money from those who can't produce.
To solve that: take the homeless, provide basic care and opportunities for him start to produce value. Then the money will come.
The world doesn't need most of the people to work. Today what you actually consume is produced by <20% of people working. Most products are produced by machines and not labor.
The homeless don't need to work, because society can provide for them even if they don't.
Actually, I guess, the real losers would be middle class...