Note that the "homeless" people in Finland are mainly people who refuse to accept support from the social welfare, this is because they prefer to get drunk instead of spending it on food and rent. The social welfare eventually suggests a different system for such people: pay the rent for them and give a special card that can be used for anything except alcohol and cigarette. If the people keep refusing that other opt…
I have read stories about almost any European country wherein it is claimed that homelessness is a choice, and that there are facilities that the homeless aren't utilizing, because they præfer to the homeless or are plain stupid. In many of those cases the actual situation is more complicated and the actual protocol is so involved and complicated that it is very hard for a homeless man to research.
Victims of circumstance to some extent, but not stupid nor really living their preferred life I'd wager.
I suspect you need a stable caring society for a couple of generations and still there will be some outliers. A worthy cause to address though.