That is because mental/psychological healthcare is completely broken in the US.
Im currently dealing with the system for a family member, and I am shocked at just how hard it is to get help. Ignore the financials, most psych hospitals won’t treat you and have zero interest in keeping you longer than absolutely necessary. The one my family member went to twice didn’t even set them up with a treatment plan or doctors/psychiatrists/psychologists when they were released.
My homelessness exacerbates my mental illness, not only because of the stress of living out of a van but also the inability to have consistent healthcare being that I have to drive to warmer temperatures or cooler temperatures depending on the season.
And the treatments for psychiatric diseases are still stuck back about 50 years. I’ve had to run my own genetics and do my own research to find out what would help me. I mostly done it no help to any doctor or physician or psychiatrist.
Many people act like homeless people don’t want to get better, but I’m doing everything I can and no one is helping me absolutely no one. Psychiatrist who take Medicare have zero investigative initiative and psychiatric awards are for profit hotels for the mentally ill.
If anyone has a positive view of this country and the goodness of the people of this country, I want to dissuade you of that notion.
I am currently parking at Walmart in Palm Springs, California. The amount of wealth I see driving around me in vehicles alone could end homelessness in this country.
When I bring this up here, I’m told that these people just need to engage with some system and they’ll be well taken care of. I have seen no evidence of this myself; as the article and your experience would suggest, it’s just the opposite.
The best someone can have going for them is a family member with money, but the mentally ill tend to burn their last bridges quite often.
Further, while the US is seeing major shortages of mental health care providers, most European countries are even worse off, in large part because there's no class of master's-degree-holding therapists -- you either get a doctoral-level degree, or you just attend some basic courses and call yourself a therapist with no licensing or regulatory bodies governing your practice.
I'd actually argue that the US's system is better than most other western nations' mental health care systems -- which is not a statement in favour of the US, but an indictment of other nations' approaches.
(Source for my data and opinions here: I'm an American immigrant to the UK, and my wife has a master's degree in clinical mental health counselling - she only practised for about a year before she quit because the system is so broken in the US.)
Affordable housing is of course key to broad housing security for those of sound mind and economics who desire to be housed.
[1]: https://www.jrf.org.uk/housing/providing-personalised-suppor...
Homelessness for San Francisco was a mere PR problem during a state visit. Their is 0 appetite to tackle these social problems. Before implementation comes the actual political will to do something about it.
And all homeless have something in common: they are homeless. Yes, most of them have other problems in addition, but once they have housing they have one less problem and the other problem is likely to be easier to treat or handle once they have their housing situation sorted out.
The one sees in cities are not those at all. Where they have access to shelters or even housing and they prefer to live as homeless instead is overwhelmingly because the housing and shelters are substandard, moldy, they’re exposed to risks of abuse including sexual abuse, they may not be allowed to bring their pets in, they may have addictions that they will be asked to wean off cold turkey (both understandable from the housing/shelter point of view, but it’s also obvious why someone addicted to a substance would not be able to do this), etc.
In my interactions I was genuinely surprised by the really large percentage of homeless who preferred to live on the streets (even in the winter) over decent shelters without many of these risks, because of pets not being allowed. For many the companionship with the pets are quite literally keeping them sane, and there’s no way they’d give them up, and yet the vast majority of shelters have a no pet policy (again, understandable, but it still is a contributing problem).
Now, there are definitely a few homeless who have mental health issues. And unfortunately, for obvious reasons those are the ones most people are likely to encounter (the sane homeless people prefer to stay out of the way and would prefer avoiding people altogether because of the shame and the judgment they’d encounter to begin with). So most people’s (including mine until I started volunteering with organizations that worked directly with homeless people) estimation of homeless people is based on this tiny minority at one extreme. Which is unfortunate because it makes passing actual useful policy that will help the homeless and reduce homelessness and all the issues that come with it, very difficult to bring into force.
The few shelters I've looked into have a huge list of rules that are strictly enforced which quickly turned me away. And they were in old, run down, dirty buildings. It almost seemed like they didn't want anybody to use the shelters, and very few appeared to be using them.
Just as an example, one young man I spent a lot of time with had a family that wanted him to come home, but who wouldn't let him smoke weed in the house. I wouldn't have called him an addict by any stretch, but it was something he was unwilling to give up. He was a strong, able bodied guy that could have gotten a job. Despite all of this, he decided he'd rather live on the streets and do what he wants. (Could he have had severe mental problems and be making all of this up? Sure, but I don't believe that he did).
It's actually the biggest reason I stopped volunteering. Over the years that I volunteered, I noticed a steady shift from people who really need and/or want help to a large number of people like the young man I described. When helping out the homeless people you can't pick or choose or make judgements, so you treat everyone equally. But it became very hard to hand out things like sleeping bags to folks like that young man and then see people who really did have nothing unable to get one.
But, yes, in your example if you offer anyone a free million dollar house they will take it over living on the streets, but I don't think that's a very realistic comparison.
Also, to be clear, I'm just some dude. I don't have any realistic answers to fix the problem.
I encountered so many different types of folks. Some were people down on their luck that needed help. Some had mental problems that (I'm guessing) can never really be fixed. Some had addictions. Some simply enjoyed being homeless.
I think addressing the problem would need to address varying underlying causes. For instance, "just give them jobs" will work for some of these folks, but not for a lot of them.