The people that say these things have no clue. I have met homeless folks who had it all and never would want it back. It can be a very stressfree lifestyle in fact for some.
I myself have not had a mortgage in ages, neither do I pay rent.If the house burns down I will live in a tent. Screw insurance companies. If #*!@ hits the fan then I will be home less and it will be ok as my beard will come along with me.

Agreed, some of the most spectacular beards are worn by many homeless men and I got a compliment by one of them yesterday.