It's similar to someone complaining about their job or relationship, but refusing to do anything about it.

Life can be comfortable if you keep thinking to yourself that you are a helpless victim. You become your own biggest hurdle at that point but it's a consistent predictable life people sometimes subconsciously fall into.

It's also still subjective to say not being homeless is all good. Some may even prefer that "free" lifestyle of not having to have responsibilities.