What is our human nature Booz?    Are human's at their core lazy or born to work?   
The Protestant work ethic, which has been hugely beneficial to our society, is behavior that is taught isn't it?   I'd say lazy is not an accident or choice for the child who has become a homeless adult.

I don't know a lot of homeless, but they seem to share a very broken family life, some damaged in very early childhood.  Not all of course, but most I've talked to.    I child is defenseless to pure neglect, and we know the effects of abuse.  Some get through it pretty healthy, but most carry some really serious pain.

I am in no way saying their lifestyle is OK Booz.   It's mostly killing them, some faster than others.  I'm just asking that you think about what got them to that point.    I don't think laziness is the only problem.

*I know this homeless 'type' (mentally/emotionally damaged) doesn't explain all homelessness, but it's significant IMO.