1. Most homeless people have one or more intractable personal problems, such as a medical problem, mental health issue or learning disability.
2. They end up homeless when their intractable personal problems finally cause them to run out of all resources and options and causes their social safety net to fray and come undone. When no one will let you sleep on their couch one more time while job hunting again, etc.
3. There is a huge and deepening affordable housing shortage in the U.S. This goes back decades. Homelessness is a growing trend nationwide because a growing percentage of the population simply cannot afford housing. It is too expensive. Addressing this piece would go a long way towards easing the burden on people with other unsolvable problems. But there is no real will to do so.