Homelessness is a HUGE problem.

The problem is it's not one problem, or one classification.

So, lets ignore the perpetual homeless, those who do not have the mental ability or desire to stay homed.
These people need walled mental institution help, nothing else works or helps.

The problem of actual homelessness, that of losing homes is a problem of stall speed.

Stall speed - the speed at which, going slower than, turns an airplane into a brick.

The iron triangle - having a car to get to work to make money to have a home...

This is a societal problem. In how we have set up living arrangements. Work is over here, and sleeping is over there.

But anyway, it's quite acceptable, it can work, except for one thing! Fractional reserve lending.

Every moment house prices go up because someone can borrow more money to buy the same house. So, it's a competition, the next buyer has to pay more than all the previous buyers and there is not upper limit because of money printing.

FRL increases the stall speed.
So, last year, you moving at 10 clips is now not enough, you need to moving at 11. And now, we are seeing a rate where the minimum has been moved so high that the entire bottom of the middle class is falling out.

Remember, bankruptcy is not an accidental thing, it is the slowest people falling off the back of the treadmill. It is a design of the system.