I originally come from Spain, where the weather is nicer than in the Netherlands, and there certainly are homeless people living and sleeping in the streets, or in cold occasions during winter, they can also be seen under the roof provided by an atm / bank branch.

However, having been in SFO multiple times, the number of poor/homeless people with no resources is much more evident there. My take is that generally the unemployment, healtchare, etc. benefits offered in most European countries do play a significant role in reducing the number of cases.