As someone who actually works for a nonprofit assisting the homeless, I can vouch for there being success stories. I can also attest to the fact that the system is severely broken, and though the programs you speak of do exist they're generally structured to enrich the already wealthy and make sure the poor stay that way. The prison industrial system is a prime example.. The way many of those programs work, they're almost guaranteed to keep the same poor families cycling through it and providing labor for next to slave wages for generations. I've noticed the qualifiers expanding.. What constitutes "disabled"? When you say "temporarily hard luck", what exactly does temporary mean, what is your definition of hard, and what, seriously, do you mean by luck? Id say my assessment stands.. I'm not saying you don't have valid points, I am saying you're only looking at the surface and not the whole iceberg.