[ada1981]

Humans as a species don't have the best financial judgement, which is one of the reasons we have homelessness to begin with.

Even if everyone had an ivy league degree, with a cell phone, and was physically healthy, we'd still have unemployment as our economy isn't producing enough jobs for humans.. And unemployment + time with no savings to burn through eventually equals homelessness.

[thaumaturgy]

Is your point that everyone has the same financial judgement, or that homeless people as a group have no better or worse financial judgement than anyone else? Or something else?

[ada1981]

That our collective financial judgement has produced homelessness, more so than the "poor decisions" of any individual.