Not at all, why would you think that? I'm arguing that learning how to code while living on the street is going to require a spectacular amount of motivation,

Not at all, why would you think that? I'm arguing that learning how to code while living on the street is going to require a spectacular amount of motivation, and only a certain percent of people will be able to pull it off (not sure I could). Since $100 has a higher marginal utility for a desperately poor homeless person than most people with adequate shelter, the fact that someone turns it down shows an uncommon amount of motivation. But really, if you're going from what I said to "root causes of homelessness", I can't help but feel you're just looking to pick an argument.