Finland has found the answer to homelessness. It couldnt be simpler

[Caliman73]

21. The whole "incentive" idea is taken from a Calvinist perspective.

That perspective is that people are intrinsically bad and must be made to suffer their folly and should only be rewarded for righteousness. The reality from a Humanistic perspective is that people will do what they need to do for survival. Those of us who are in relative comfort and who have not faced that kind of existential threat, don't really seem to understand what people will do to survive, to cope with tremendous pain, to subsist.

Maslow created the Hierarchy of Needs pyramid as the basis for Humanistic Psychology describing motivations for people, with Subsistence or survival needs being the base and Self Actualization being the narrow point of the pyramid.

People are not going to be able to focus, in most cases, on the kind of "beyond the self" thinking that is needed for self improvement, when they don't know where they are going to sleep at night or when their next meal is coming. When those needs are met, then people can move on to more complex social needs. If there is a loving community, whether through family or friends, that helps people then move on to working on themselves and their self image. Finally, when a person has the space to figure out where they belong in the world, then, they can move on to how they will contribute and what kind of legacy they might leave.

Finland and other countries seem to be figuring that out. Hopefully, one day the US will do so.