One of the things that tends to not enter these discussions is that the US has torn down about a million SROs[1] and largely zoned out of existence the ability to build other small scale homes currently being called Missing Middle Housing.
When walkable neighborhoods were more the norm and you could get just a room or small place as market rate housing without having to go through some government program with long wait lists, you could live on not much money. Now a car is practically required to make life work in the US, housing is expensive as hell and then we argue about income and I get told by random internet strangers that the high cost of rent is irrelevant to discussions of homelessness, and never mind that studies contradict such claims.
Meanwhile, housing costs and the fact that it's so hard to live without a car tends to not come up at all in discussions of this sort.