Most are homeless doesn't describe their particular circumstances. There are people living in their cars who have jobs and credit histories who given a few grand can easily not be homeless . That is in contrast with the guy who is incredibly schizophrenic and constantly hallucinating who hasn't held a job in years. That guy isn't getting off the street because you gave him cash because he needs mental health care that he might not recognize.

Just saying they are homeless doesn't describe who they chose and why.