>All you need to do is walk down almost any street in San Francisco and take a secondary glance at the homeless people you see, and its obvious that "can't afford a home" is just one of their many problems.

This is just confirmation bias because the only people you immediately identify as homeless are the people with these issues. The people who are only homeless because they can't afford a home don't look homeless. For example, imagine a person who has a job but fell behind on rent due to some emergency medical expenses. Now they spend their nights in a shelter while slowly amassing savings from their minimum wage job in hopes to eventually be able to afford a home again. How would you visually identify this person while passing them on the street?