There are safety nets in our society, especially in Europe. Put people are no machines. Those, who fall through these nets often have problems that hinder them to get on their feet on their own (drugs, mental illnesses etc.). People have the tendency to ignore overwhelming problems. After some time you arrange with your situation and just live your life.

I won the inheritance lottery, but still find it very hard to be disciplined and stay motivated. I think I would have no chance to get back on my feet, once being homeless, addicted to drugs or something like that.