Today we've pretty much solved the basic home problem in the civilized world.
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Some data on American housing and such, that may not be 100% accurate but should paint a general picture:
Around 60 years ago, the average new home was about 1200 sq ft and housed a family of 5 (2 parents, 3 kids). Today, it is over 2000 sq ft and houses a family of 3 (2 parents, 1 kid). This difference and other factors has helped create a widening gap between the haves and have-nots: Those who can afford a new home live like kings. Those who can't may be perpetually one paycheck away from homelessness. Most of the financing instruments we have are aimed at single family suburban homes designed to meet the needs of a 1950's-style nuclear family. Meanwhile, our demographics have changed and very few people fit that bill. The housing industry has been terribly slow to adapt to the changing needs of our changing demographics.
Also, historically, it was more common to live with extended family. This was more manageable back when more than half the American population lived and worked on a farm. You could always put someone to work on the farm to help cover the cost of feeding and housing them. But a more city-centric lifestyle means that if you have no job, you typically aren't viewed as a contributing member of the household and it is much harder for people to extend generosity in that regard unless they are truly wealthy. We also had more SRO housing and boarding houses -- just the sort of supportive environment that the Murray's of the world seem to need. This was part and parcel of the culture and was not considered some kind of "special service" for problem individuals who couldn't adapt. It was also cheaper than a stand-alone apartment. Apartments designed for a nuclear family or houses designed for a nuclear family make up the majority of housing stock in the US and it is financially out of reach for many single individuals. College students often get multiple roommates to make it work but it really isn't designed to work for them. The Murray's of the world lack the ability to force the current housing situation to serve them adequately and mostly don't have other options which did exist not that many decades ago.
I have a lot more thoughts and information on the subject but I don't care to beat it to death. The current housing situation really is a factor in why homelessness has been on the rise in recent years. Yes, it is one of many. But I don't think it can be lightly dismissed.