Many people--perhaps the majority, even--are not homeless simply because they ran out of money to pay for housing; instead, they are homeless because they made life choices that led to them not being able to hold a job and pay for housing, or they have mental health issues that make it difficult for them to participate in a society where only those best able to adapt can afford good housing.
I like wording as in my opinion you managed to write it in a way where people are not to blame for their choices.
Yes they made choices in life that led them to not be able to hold a job and pay for housing - but to say it was "bad choices" one need context of their lives to judge that and in addition it might be the case that choice was made for them and they could not do much about it.
