Fair enoughOw I completely agree elmarko, but I'm typing on an iPad and didn't want to write out an entire doctorate on how one gets to homelessness. In Liverpool (went to uni there) a lot of the homelessness were either drug addicts or as you describe. for sure I over simplified it.
Certainly mental illness has a massive factor and one I was briefly trying to describe in a very simple way in the "life style choices".

In general I tend to avoid the use of terms like choices/life-style decisions are it's usually coupled with an aspect of blame not really productive for this kind of social problem.
I much prefer to talk about the causal factors or potential solutions.
It should be expected really, as the kind of traits required to refuse help or lacking the ability to find help (which is available) to get out of homelessness will be the exact same traits common to those who end up homeless.Thanks for the informed responses. I do appreciate everyone who is homeless isn't in the same boat. However I wasnt aware of the proportion who would refuse help was as high as it appears. Of course it seems higher than it is as you notice it.
I wasn't aware of how much it did happen.
If they were fully able mentally to accept the help out there & improve their lot, I doubt many would have ended up homeless - they simply lack the ability to help themselves (for one reason or another - be that mental illness, drug addiction, learned helplessness, historic abuse - along with many I may have missed).
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