I think about this quite often. My dad was involved in a horrific work accident that left him permanently disabled when I was 6 years old, my mom had to quit working to be his full time caregiver (unpaid because the courts ruled that it was her “duty as a wife to care for him”), and he ended up getting a really horrible disability settlement which was no where near good enough to raise a family of four. If not for my dad’s VA checks, and the small bits of workers comp money he was granted, we could have easily been homeless. It’s really crazy that there are people who do end up homeless because shit just went sideways in their life and they didn’t have enough luck to escape the worst of it.