There was a very large fraction of other homeless people who couldn't hold jobs because they were disabled, elderly, under-skilled, not presentable, or lacked the resources and support to "pick themselves up by their [invisible] bootstraps." Some had personality aggression issues that couldn't hold jobs too that didn't fall under danger to themselves or others and so they weren't necessarily able to access mental healthcare. And also some had debts, credit problems, and criminal records that presented obstacles to employment opportunities.

I knew 2 elderly retired teachers who were homeless because they lacked family and resources but were otherwise "normal", cool, and social-able.

I understand that it's human nature of privileged, inexperienced, ignorant people to scapegoat and dehumanize groups they don't understand.