[Jach]

There's plenty of welfare in the US, and stable and reasonably intelligent individuals (though with dubious ethics) are already capable of exploiting it to never have to work. In some parts of the country homeless people make tens of thousands per year tax-free from panhandling and choose to live the way they do. (For more typical earnings you really have to look on a city-by-city basis. The US spans a continent.) I think the main problem with homelessness though is that there's just not much support or sympathy for the mentally ill -- who make up the majority of homeless people. If you're mentally ill, a lot of places won't even let you in a homeless shelter. Your cost-to-live-stably also goes up a lot due to the prices of medication. Furthermore, low IQ is often found in individuals with the types of mental disorders that can easily lead to homelessness, so you get the double whammy that even if they manage to get stable, they're still limited in what sorts of economic activity they can do since higher wages usually require a higher IQ. Minimum wage is not enough to cover the cost of living and the cost of medication. Some states have better support for the mentally ill than others, but it's a messy problem all around.