[bunderbunder]

But you could perhaps at least see the problem in a university lecturer not being able to afford to maintain a basic standard of living in the community where she teaches, right?

And if you can get that far, then perhaps you can see that the homelessness problem being described in this article goes well beyond the two causes you're trying to reduce the whole thing to?

[RingwormOne]

I don't have much sympathy for the lecturer because it's probably safe to bet she has made a conscious decision to maintain her homeless lifestyle. I find it very hard to believe that someone with a PhD could not find extra work, or do something else entirely, to afford an apartment.

She presumably has other options given her education, unlike other psychologically disabled people who have no other option but to live on the street. Of course pathological stubbornness could be a disability.