Are you sure? I don't have any numbers on it, but I like to think the amount of homeless who are truly lost causes where money would not help is very small. I'm poor and if money was not a priority, I'd be able to work on stuff like programming and pursuing writing as a hobby. That's pretty much what I've been doing now that I can justifiably take UI and stay home for some time without worrying about how to pay rent and buy food. For me, hell yeah money is the biggest barrier. And the only options in front of me are to work at shitty minimum wage food service jobs which are now destroyed.