I think you're significantly overplaying your hand here, and over-assuming the ability of others too.
I'm sure you're very successful and a hard worker with great skills, but plenty of people are pretty mediocre. And plenty of people don't have great high-paying corporate jobs, even if they are hardworking. Personally, my family's savings could sustain us for years without a job, but that wasn't true when we were (single and) young.
Losing a job is easy, even if you did nothing wrong and plenty of people really struggle to find a new job with a similar pay. I had a friend who was laid off from a Stanford medical researcher position (~80k/yr), and he worked retail for 12 months (~30k/yr) before finding a true replacement job. He could barely pay his (pre-existing) SF-bay-area rents on that salary. His groceries were paid out of savings or generous friends. If anything actually went wrong (medically, car accident, etc), he'd actually have run out of money to live. None of his family lived in the US (or had USD savings), so he'd have to uproot his life to live with them. He had friends, but living with a friend is a huge ask - you can only stay on a couch for so long. It's easy to say you'll help a friend, but when their budget is $1k/mo short, you'll burn through a friend or family's generosity fast.
I don't know if most people on HN have looked, but finding a place to rent in SF Bay Area for <2k/mo is hard. If you make minimum wage, it's really hard to find a place to live. If you go from a higher salary, where you can afford 2k/mo, to a lower one where you can't, you're really screwed, because moving is not cheap either, and selling all your stuff (to eventually re-buy later) or hiring movers will certainly deplete the savings of people who can least afford it.
Certainly drugs or mental illness speeds up this downward spiral, but it should be noted that "living with friends or family" usually qualifies as homeless for most of these statistics, not when you start living in a box under the freeway... so "it can happen to everyone" is more true even for you when you realize that you only need to pass 3/6 of your listed steps.
I'm sure you're very successful and a hard worker with great skills, but plenty of people are pretty mediocre. And plenty of people don't have great high-paying corporate jobs, even if they are hardworking. Personally, my family's savings could sustain us for years without a job, but that wasn't true when we were (single and) young.
Losing a job is easy, even if you did nothing wrong and plenty of people really struggle to find a new job with a similar pay. I had a friend who was laid off from a Stanford medical researcher position (~80k/yr), and he worked retail for 12 months (~30k/yr) before finding a true replacement job. He could barely pay his (pre-existing) SF-bay-area rents on that salary. His groceries were paid out of savings or generous friends. If anything actually went wrong (medically, car accident, etc), he'd actually have run out of money to live. None of his family lived in the US (or had USD savings), so he'd have to uproot his life to live with them. He had friends, but living with a friend is a huge ask - you can only stay on a couch for so long. It's easy to say you'll help a friend, but when their budget is $1k/mo short, you'll burn through a friend or family's generosity fast.
I don't know if most people on HN have looked, but finding a place to rent in SF Bay Area for <2k/mo is hard. If you make minimum wage, it's really hard to find a place to live. If you go from a higher salary, where you can afford 2k/mo, to a lower one where you can't, you're really screwed, because moving is not cheap either, and selling all your stuff (to eventually re-buy later) or hiring movers will certainly deplete the savings of people who can least afford it.
Certainly drugs or mental illness speeds up this downward spiral, but it should be noted that "living with friends or family" usually qualifies as homeless for most of these statistics, not when you start living in a box under the freeway... so "it can happen to everyone" is more true even for you when you realize that you only need to pass 3/6 of your listed steps.