If you're in SF, try finding a bathroom to use even if you do have money to spend somewhere. Everyone has closed their bathrooms because of COVID protocols -- I have no idea if this something mandated by law, or something that businesses are doing, but it's nearly impossible to find a place to relieve yourself unless you're near a park with a public restroom.
I don't have a lot of confidence that the local government in SF is ready to solve this on their own, but just like homelessness, it's much larger than a one-city problem and hopefully more attention on things like this will help everyone chip away at the issues.