Most homeless adults are addicts or people with serious mental health issues.
Normal people are able to find accommodation rather than live on the street. Canada has many safety nets for people seeking employment or housing, even if they choose never to work.
Sometimes even just acknowledgement can make a homeless person feel less invisible and more human.
Look them in the eye, smile, say hello as you are passing by.
And no, accomodation for most average people is hard enough to find these days let alone a homeless person with no or little income. Shelters are packed and affordable or supplemented housing wait lists in large cities can be a decade long or more especially for a single male.
People who make minimum wage or even more are having to share apartments with others. Most of these longterm homeless people have severe mental illness and cannot share unmonitored space with two other mentally ill people. It is a recipe for disaster.
Finding work for a severely mentally ill person with zero experience or education is also extremely difficult. Many need a solitary work position, they cannot work in a team or serving the public.
The majority of these longterm homeless people have no family or no positive family support either which makes it that much harder for them. Having a loving family behind you, even one family member advocate for you can make a huge difference.
Those who have never been through it or have not worked in this field have no idea how difficult it is.
As I said, right now even "normal" people are having a tough time surviving.