(why are there so many homeless)
So the millions of homeless people in the US are all criminals or schizofrenics?
Who do you expect to believe that?
Do you even believe it yourself?
Well, there are a lot of ways to get there and not many ways to get out.
To get out of homelessness, you need a home.
Homes aren't often easily affordable.
So to get a home you need a good job.
Most places even to rent, you need to put a security deposit down and often 1 month in advance. Leases are for a year and if something comes up, you lose your job and you have to break the lease, you may be on the hook for the remainder of the year.
Oh well, there goes that credit score. Don't worry, those aren't important...
To get a good job you probably need a good education, reasonable physical and mental health. If you started off in a stable, upper-middle class family, you have a reasonable shot at having that, but the worse your family situation (and biological luck of the draw) was to begin with, the worse your chances are to begin with.
If you have had a criminal conviction in the past, most good jobs will screen for that and filter you out. Depending on what your family situation is growing up, your chances of having one of those early on can be higher or lower.
Various laws have both directly and indirectly criminalized people that are homeless, so
if you didn't have a criminal record before becoming homeless, you may get one shortly thereafter. That'll help.
Anti-homelessness legislation - Wikipedia
Oh, and you need a car, registration and car insurance to get to the job, usually, but some people manage on bicycles and public transportation.
Lots of alcoholics (many of whom do not realize or admit they have a problem yet - delusionally strong denial is a hallmark of problems with alcohol) can very quickly become homeless. Once the license is gone, the car and the job goes poof.
Any kind of addiction other than cigarettes can take you out and land you with a felony pretty easy.
I'm not sure how hard it is to get a license when you have no home address, but I imagine it's probably pretty hard.
I'm not sure how hard it is to get a job when you have no cell phone, email or computer. Most people would use the public library I imagine. A cell phone is probably Step #1.
Cars and houses usually require having bank accounts and credit checks. Most good jobs do also. My housemate when we tried to get him a car after his truck died, we discovered he had a credit rating of... drumroll please...
negative 1. LOL. He had never opened any credit cards and a former landlord had reported something against him at some point. (incidentally, when I loaned him some money for the car myself, he became one of the few people who has ever paid me back. He is doing very well now).
Mortgage companies, if you miss mortgage payments for a few months due to unemployment will cut you a grace period during which you don't have to pay. In some cases though, at the end of that period, they will ask for all of the money back that was owed during that period AT ONCE. This happened to a friend of mine who was a co-worker making six figures at one point after she was laid off.
Bye bye house. She is living with her brother now, still trying to get back on her feet.
I would probably be homeless if I had bought my house through a mortgage company, but I had purchased the family home though family. There was a period of a year where I had a breakdown that required some hospitalization and medication (mind you this was AFTER I had been sober for a year). Although I was making 6 figures at the time, I was what society calls a 'functional alcoholic'. I make 5 now, but that's ok.
It's only OK though, because of my home and family situation, which was effectively 'safe' due to extremely low mortgage payments to family. My family put me through college and I started my life with no student debt
Anyway, so why are there so many homeless? The system I am describing above is tough and unforgiving to begin with. Everybody falls on problems at some point, or could fall on a serious problem at any point. The stronger you are at the start, due to the family you start with, the better your chances are. The weaker the start though, the worse. And who are you going to fall back on if the family you started with was weak, toxic or nonexistent to begin with?
Here's the 2017 Homelessness Assessment Report
https://www.hudexchange.info/resources/documents/2017-AHAR-Part-1.pdf
Looks like
On a single night in 2017, 553,742 people were experiencing homelessness in the United States. For every 10,000 people in the country, 17 were experiencing homelessness. Approximately twothirds (65%) were staying in emergency shelters or transitional housing programs, and about onethird (35%) were in unsheltered locations.
Just under 87,000 individuals experiencing homelessness on a particular night in January 2017 had chronic patterns of homelessness.
I'm actually surprised it's that low (though homelessness is about the lowest bar of poverty you can get to, and I imagine by it's nature, is difficult to count).