From my conversations with people that work with the homeless as well as formerly homeless people it is not only cost of living, housing, but also addiction, mental health, and loss of community/family.

It complicated basically but it is a major sign of not only economic decline but also moral decline. There is no question that some of the cities with the most restrictive zoning have incredibly high cost of living and homelessness rates. Not only this but the incentives for the city governments is NOT to solve this problem but to virtue signal and spend money.

One person that works with the homeless says the single biggest factor is loss of community. It is a total breakdown.

It's a bit of both. Homeless research identifies two types of homeless: those who are temporarily homeless due to economic or relationship problems, and those who are chronically homeless, usually due to drug abuse or mental illness.

The temporary homeless are the majority of individuals who ever experience homelessness. But the chronic homeless make up the majority of people-days spent in homelessness.

The solutions to help each group need to be different. We can't treat homelessness with a broad brush

...all of those things are also downstream from fiat 🤡

In my opinion it depends where you live, in my country it is more likely to be homeless because you are out of work than because you are a drug addict.

Moreover, as a drug addict you can sleep in a shelter to sleep in, which is great, but the unemployed can't, because capitalism is supposed to be wonderful and if you want to work you will, but unfortunately it's not like that