Spoken like someone who has never actually encountered a real homeless person, and only has an abstract, idealistic image of what a homeless person might hypothetically be like.
Often if a statement looks like rhetoric, it's because it is.
Having worked with, been, and always at the risk of homelessness, OP is half correct. Not everyone is there because they want to get out, but even when you do you're there in the first place because the systems of society are beyond broken.