Drug addiction, laziness, untreated mental illness and refusing help. There are homeless shelters and food pantries in every city in the country. Want to know why people still dont have a place to stay? They need to be drug-free to live in most homeless shelters, which is apparently too much to ask in exchange for a place to stay.
You can live in most cities working minimum wage if you are only supporting yourself/live with a roommate. People don't like doing that, so they end up homeless. People don't always want to apply for food stamps/EBT or unemployment or even assisted housing. Yes, that exists in America. honestly in most cases a lack of wealth can be attributed to your own decisions here.