But these homeless programs that just keep the homeless subsisting are better than nothing but sill aren't helping the ones who could escape.
The super short version is that I don't want to live in a van because I no longer drive due to my medical condition. There are other factors, but that's a big one.
Unsolicited personal commentary or life advice quickly crosses into incivility. Your comment is way into the red on that. Even if you don't mean such comments as personal attacks, they easily read like it—because of the underlying assumption that you know better about someone else's life than they do—and will almost certainly will land that way with the person(s) whose life you're prescribing. That's bad and leads to worse, so we should all just not do it.
I could afford about $400 a month in the near future. I am trying to find a way to get off the street now that my student loan is paid off and that frees up enough money where I could afford that much for shelter in the near future.