> your personal experience here is worthless
Why is yours any more worthwhile? When in cities, I regularly interact with people who you might assume are homeless. I think my direct experience is definitely valuable to the conversation - unless it disagrees with you, of course.
> People who are homeless ...
It's your narrative that is worthless.
> They often became homeless because they were impossible to live with.
Is there some data for that? The leading cause of homelessness, last I saw, was losing your home to medical bills. Anyway, I'm not living with them, just talking at the bus stop or outside the store.
> homeless people with all their marbles generally make an effort not to seem homeless and don't ask strangers for anything
That is certainly untrue. The confused and mentally ill people generally are in their own worlds. The people talking are fine. Maybe if you act with hostility or defensiveness, you get a different response, but I guarantee if you just stop worrying about it and behave decently as you (hopefully) do with anyone else, it's really no issue at all.
> you'll never meet, or help, the homeless people who aren't pestering you and bothering you and invading your space.
You're just making things up, including that homeless people are pestering and bothering me, etc. IME, which is considerable, people who seem homeless are no different than other people, except they are vulnerable and don't dress as well.
> there's no reason to completely avoid drawing any conclusions or making any generalizations about them
There are plenty of very strong reasons to avoid conclusions about people you don't know - you don't know what you are talking about and will harm the people. Generalizations do the same thing, denying people their basic freedom to be themselves and be responsible for their own consequences, not someone else you met a year ago.
It's also a reason my direct experience is valuable, and your generalizations are worthless. Any serious pursuit of knowledge - science, courts, etc. - utterly reject generalizations and require direct observation.
> I feel it's a clumsy attempt to avoid judging people based on their wealth
That part is intentional and not clumsy at all. It avoids dangerous errors and protects vulnerable people. Looking at behavior today, who are the crazy ones - the billionaires or those without homes?