What can you afford
For the majority, people don't 'just' become homeless. It can't be blamed on recent financial, housing, or other economic issues of the country. When a person aged 25 or above goes from being homed to homeless, there 'are' reasons.
Whether they should have quit smoking or been more selective in choosing more cheap home insurance...these are all merely the arguments of armchair quarterbacks, or a system that thrives and is supported by supporting people as long as they're homeless.
Homelessness is about choice in it's simplest root. One bad choice, for whatever reason, gives way to additional further bad choices. In time a domino effect develops, due to the choices becoming acceptable when unchecked.
But as long as we live in a society that promotes the existing model requiring people to work to live in a home, we will continue to have homelessness in our society. Just remember, this country is one of the youngest in the world given it's standard of living...a standard promoted by the demands of businesses advertising and brainwashing it's people into submission.