Unless you mean to say that you don't care either way if they do.
(If your value system places zero value on that, then my value system places positive value on spending your money on things you very explicitly don't value.)
The social net prevents homelessness.
We don't get broke because of medical bills.
Labor laws prevent being fired without prévenance.
Being fired grants you employment benefits.
People with money issues can almost always lean on friends or family. It’s the people that no longer have any friends or family willing to put up with them that end up on the streets.
The more western solutions are compassionate containment like in Finland.
America cant make up its mind if it wants to be like China or Finland.
We have medicaid, unemployment benefits, how expensive our housing is completely depends on location just like other places (rural-ish areas are probably cheaper than almost all of Europe), etc.