Homelessness is very complicated. I like Jiro's comment about talking to homeless people. It's really important not de-humanize homeless people. Organizations should treat homeless people as "clients," not victims or merely aid recipients. Very often, a trauma leads to homelessness, like the loss of a loved one or the loss of all material resources (including the means to earn resources, i.e., a job). Most homeless people experience shame, which is a toxic emotion. These people need mental health care.
One thing is for sure, homelessness is on the rise and it's an important, urgent societal issue. With the economic crisis, more women and children are homeless. Children need stability and security for proper emotional development. If the problem is not solved, the ramifications for the next generation are huge.