Perhaps a bit, but these comments are also based on real conversations with homeless people in SF.

You can project onto people you're having conversations with.

They're trying to preserve their dignity.

If someone offered them a rat race job and they had the appropriate education, cultural norms, social skills, and were mentally healthy, they would take it.

People don't choose to be homeless. It may be the best option available to them, but that doens't mean they chose it, it means they have very very few options. Their opportunity is limited by the rich people pushing austerity and gutting basic humanitarian services.