I think you can criticize wealth while having it.
Also, the unhoused have cell phones too.
You are hurling insults by intentionally misrepresenting the reasons people create new terminology.
There plenty, many, words you won't use because they've changed. That's how progress goes, it's always the way it's been. You can fight that, but it won't work. And then in 40 years you will sound like an insane person.
I'm not saying that "unhoused" is good or will be a largely used word. But I am saying that fake words are real and you will keep up or be left behind. We have people alive, right now, who have been left behind. Guess what, they sound insane.
It reflects poorly on you to choose the least relevant part of my comment to reply to, poorer still when doing so makes it clear you're missing the point.
There is nothing ironic unless you are living in the year 1995.