It’s actually nothing like that at all. What you’re describing is putting a societal problem on the shoulders of individuals. What I’m suggesting is that society should actually fix the problems it has created.
Every place that has taken a “housing first” approach has seen success out of it. But people insist on making the problem more complicated than it is, because we’ve built an entire society on the false idea that poor people somehow deserve to be poor and anything done to help them is somehow unjust.
So build more. Yes, that takes time. So start now.
This is only difficult because we make it difficult.