He did say 'average' American.
The article is about why we're unreasonably pessimistic. You are illustrating the point.
Apparently most americans are one paycheck away from the that: https://www.marketwatch.com/story/most-americans-are-one-pay...
But the average Americans aren't all going to lose their job at the same time and end up homeless.
The average American will never experience homelessness so citing that as an example of adversity for the average American is wrong.
That's a clickbait headline.
According to the story itself, most Americans are on the verge of: "reducing spending elsewhere (26%), borrowing from family and/or friends (16%) or using credit cards (12%)."
As a formerly homeless person living in a neighborhood filled with poverty, I'm going to humbly disagree with you on this point.