This is the crux of it. Your position disagrees with mine, that's fine, but please don't assume that bringing up an issue based on personal experience with the problem is a "red flag." That's disingenuous and unproductive.
You then go on to strawman a bizarre tale of a religious person being overly evangelical about a deeply individual experience. Homelessness is a problem of society, and people. Yes we cannot address the individual at every point in a conversation, but that shouldn't mean we can't talk about the problems affecting individuals.