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Dig a little deeper into your dataset and you will find that the reason these people didn't end up homeless is because most of them have well-off / supportive families, trust funds, or Ivy League degrees.

That said I agree that people give in to fear too much, which prevents them from taking risks.

Homelessness is not happening. If you have the skills to even attempt a startup, you can for sure get a job.

I saw a bunch of people who had the skills to get a job take months to get one in 2023 and 2024. I've also seen people who think they have the skills to attempt a startup that did not.

All it takes is a downturn at the wrong time and a low capacity for risk.

I'll take that guarantee and raise you. Someone on here who posts was in that situation.

If you risk homelessness on a lottery ticket you are making a bad choice.

Homelessness != sleeping outdoors or in a homeless shelter. If you have to move out of your home and live with family or friends because you lost your job, you have lost your home and are homeless.