You are completely divorced from the reality on the ground.
A good chunk of the unhoused (at least where I live, US CA) have jobs, it's just not enough for rent or they can't find a place because of poor credit, which means the places available are even more expensive.
Rent has increased faster than median income, and way faster than low income.
Most unhoused are there temporarily. Anything nice they have may be from before they got into their present situation. And what are they supposed to do? Pawn off their cell phone for pennies on the dollar?
The explosion in number of unhoused people is not just a bunch of people happening to have some sort of moral failure all at once. The simpler explanation is that our economy and society is failing. And what do we expect to see as resources are hoarded by the powerful at exponentially increasing rates? Where do those resources come from?
Also self report on your attitude toward Roma people.