When I lived in San Francisco I was amazed at how many homeless people just live in the streets. The Chronicle would occasionally run a story about "camps" around the Bay Area. I even wrote a few articles on the same for https://acewriters.org and made a website for a church that ran a school for homeless kids in Santa Cruz, it was sad.
Meanwhile, it's difficult to impossible to find affordable housing (not even mentioning proper education materials and hygiene stuff). And it's not even legal in some places to have a tiny house (not in DC!). People who want to build off-grid green housing in the Southwest have to wage legal battles to get permits. The permits are set up to incentive expensive development, not cost savings.