[msiemens]

I've talked to a couple of homeless people in a large city in Germany and the impression I seems to largely match your assertion. Most people I talked to who are homeless were from eastern Europe who tried to make a better living in Germany but failed. There were also some with drug or alcohol problems or had some sort of mental issues.

But there was also a man who was bullied out of the company where he had worked for 21 years. I guess he didn't see homelessness coming for him. Also there was an older woman who lived in her car because she was forced out of the apartment where she lived for her whole life and she refused to accept moving to a different apartment. She had a reputable job, it was after she retired that all these issues came up. So I guess that even here there is no absolute guarantee that one wouldn't end up homeless.