Fucking hell man, I was homeless too because of financial reasons (tried something and it didn't work). It's true it's a huge advantage on most people in that situation if you've just got your head screwed on right and your eye on the prize.

We were lucky.

But even then, the label starts to stick to you after a while. Having made the same excuse of just "having come from the gym" because you carry all your shit to interviews in a duffel bag, starts to ring hollow. You start getting looks or thinking you're getting looks when you realize people know (how could they know? You work so hard to cover it up). You just start to feel homeless.

Not everyone can shake that off so easily. And yeah, maybe they've got other shit going on that act as comorbidities to homelessness. It's actually more likely than not, otherwise they wouldn't be homeless.

I can tell by the way you speak that in your current frame of mind you probably don't have the mental space to stop and consider what this is like. So I just hope you meet someone more empathetic than yourself if ever your luck turns sour again - especially if you don't have your health and all your faculties to pull your through like last time.