> the strong association between homelessness and housing costs
I'd be careful with this. High housing costs are also likely highly correlated with areas that provide a lot of services to the homeless which might be the cause of homelessness.
For sure, there's a reason I just said association, but in the absence of evidence that the cause is something else just trying to spin an argument from first principles is dangerous. For a story to sound good it need not be true and any story that sees the bad things that happen to people in the world as somehow their own fault is bound to be attractive, though weirdly also a story that removes all personal responsibility so I must admit it goes a bit both ways.
I'd be careful with this. High housing costs are also likely highly correlated with areas that provide a lot of services to the homeless which might be the cause of homelessness.