Many homeless people I've met are still stunned they lost their homes and their situations in life, and had never fathomed it could happen to them. One of the most causes I've heard most frequently is medical debt, which is absolutely understandable to me since I've seen my own medical bills. One surgery alone was over $39,000, and one night in the Emergency Room back in June was nearly $8000. Fortunately we have insurance (though the premiums for it are astoundingly high) and comfortable finances so it isn't a hardship for us, but for many people it most definitely is. My dad and stepmom are both physicians and have had many patients with staggering, financially debilitating medical bills. This was especially true back in the time when if you had a medical condition it was very difficult for you to obtain insurance. People who were once gainfully employed would lose their job and their benefits (not necessarily through any fault of their own), then they or their spouse or children would be diagnosed with a serious disease, and they'd lack the insurance to pay the medical bills. It wouldn't be uncommon for the debt to mount to well over $200,000. Some had far, far more. Even those who were still employed and had insurance would drown in debt because of the medicines that would be mandatory but still not covered, such as Neupogen which would cost about $2000 for less than a week's supply. They both volunteer with a family medical clinic, and many of their patients are homeless. They don't ask about their criminal histories. Some have mental health issues. Some are responsible for their own downfall. Many aren't.
We used to live near Palisades Park in Santa Monica where many homeless people would sleep because it's a safe, beautiful, and the weather is pleasant. If my parents were worried that homeless people were criminals they wouldn't have let me run my 5K there every morning beginning at age 13, or be at the park throughout the day and night on my own. Many do panhandle, but mainly near the Pier. Some make an effort to earn money through various ways. I'd got to know several homeless people. There's this guy down there I've known since I was 13 because I was there every day. I gave him some art supplies when he told me he was an artist, and he used them to make scenic paintings to sell down at the Pier to tourists. He's a veteran. A lady who was there for a long time had been a middle school teacher. She was laid off, she got Lyme disease, her husband got pancreatic cancer. He died and she was left swallowed by debt. She lost her house.