I don't have any personal experiences with homeless people, but my understanding is that the vast majority of the homeless suffer from serious mental illness /

I don't have any personal experiences with homeless people, but my understanding is that the vast majority of the homeless suffer from serious mental illness / addiction. I think that's a categorically different thing than those unwilling to improve themselves (which I do have personal experience with). Being homeless would rob nearly every opportunity from you. I don't think it would be fair to dismiss those people as lazy, if all the hard work in the world wouldn't do them any good.