This is one of the most interesting aspects of our modern economy. We have rockets that go to space. We have nuclear weapons. We have automated industrial facilities. We have advanced healthcare. We have the internet and computers. We have basically everything, except the basics.

The reason for that is the same and will stay the same, for the entirety of humanity. Land is a finite resource that must be shared with other humans. Money is a public utility that must be shared with other humans. Humans don't like sharing these exclusive types of things.

You have these people complaining that India should "fix poverty" instead of doing a miniscule (by international standards) space program. The solution to homelessness requires existing landowners to give up their land. They don't want to give up their land, so instead, homelessness acts as the pressure relief valve/externality. In fact, homelessness is considered a price worth paying.

The same is true with money. People like having more money than they actually need. The ability to save against the wishes of other people and thereby indebt them is exactly what they want, the resulting unemployment is considered a price worth paying.