By making an effort we can elevate ourselves from sleeping on the park bench to getting a job and buying a house. But there again it was predetermined that we were going to make that effort anyway. No way for us to know for sure, is there?

A lot easier said than done when many things can be working against you. I don't think all the homeless are bad people, nor the people who help them out.

Watch this, to restore your faith in humanity a little:

https://www.youtube.com/watch?v=AUBTAdI7zuY

As he says, things can go bad for anyone, we could all "hit the wall" at anytime.