A few years before the company I was working for closed we had bought a house, we bought well below our means at the time. The banks and realitors pushed us to looking at 400k homes because the math said we could afford it. I found a nice place for 125k with no realtor involved. Had we listened to them I'd lost the 400k house when I lost the great paying job and I knew I couldn't replace that job with the same money in my area.
May not of been homeless but it could of got scary. I do agree most homeless people are into drugs and that causes most of the problems.
A gun in the hand is better than a cop on the phone.