Late Stage Capitalism
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But housing does solve someone being homeless...
Not if they're immediately kicked out again because of damage to the home or because they're intolerable and/or dangerous to the neighbours. And that's not even accounting for the people who have more invisible mental health issues that still prevent them from holding a job and paying their rent/mortgage without permanent government assistance. If you want to fix homelessness you need to address mental health as well as housing. Neither is optional, it needs to be both.