I get that you are judging me for my perspective or past perspective, and that's your right (please don't deny it, just own it, it's fine).
I don't think it's a cultural barrier. It's how many humans are generally wired. There are so many problems in the world that if you concern yourself with all of them, you'll be mired in inaction anyway. When you don't have time to help homeless people, you ignore them because to do otherwise would make you feel like a bad person. Pretty simple?
Besides, I don't think it's so simple. Yes, there is an element of luck and society, but there's is also an element of personal responsibility. And only one of those is in the control of the "victim", so I still believe it's harmful to encourage that victim mentality, even when there is truth to it.
What is your personal view on the homeless? What do you do when you see homeless people in the streets?