i'm 27 now - this was when i was 25. i've since moved to the south bay to work at google, and things have improved significantly after a lot of meditation. i honestly have a more 'adversarial' mindset towards the homeless - i think a lot of the people in sf begging for change simply don't want to work, and because they can make a living preying on the guilt of people like me, they do so.
as for the schizophrenics out there, i am honestly still a little afraid of being one of them, but i'm lucky enough to have a huge support network.