There is a homelessness problem. But while it is easy to curse the unsightly, it is hard to see what the causes are. When one factors in all of the burden government interference adds to the cost of housing the picture starts to resolve. There is a housing industrial complex of banks, developers and crooked politicians that legislate then exploit boom and bust cycles. More than ever shelters are filled with families – some even have jobs. Think about that next time you look at your savings.