Absolutely, it can happen to anyone, whether you're a "good citizen" or not. Without more details of his situation I can't say if I think he was being irrespon

Absolutely, it can happen to anyone, whether you're a "good citizen" or not. Without more details of his situation I can't say if I think he was being irresponsible or not, but irresponsibility (which is common) should not cause homelessness (which is bad).