True, but in many ways I am more afraid of living in a shelter than on the street, or more realistically, in my car. In your car at least you have some sense of ownership, safety, and personal space. In a shelter you are potentially surrounded by mentally ill unstable drug addicts. It makes sense that many people refuse to use shelters.

This is coming from someone who has never lived in a shelter, so I may be wrong, but it's definitely my fear and a source of motivation when working not-great jobs.