Getting through all of those conditions requires huge amounts of money, as I'm sure you know. There probably are some folks that prefer homelessness, but it's a tiny minority and likely due to a situation where apartments don't work and they couldn't afford a house.
I don't need to experience homelessness to have compassion and a vision for a better world.
I 100% agree with you that lived experience is a necessity to finding an answer, but it's unrealistic to expect only people with that experience to produce solutions.
What was it you were saying about lived experience? Well you've never lived my life. I can see the precarity of homelessness myself. I'm in a place that's forced to make plans in case I have nothing. I'm also building an organizing committee for my union local to address homelessness in my community. I'll make sure to tell everyone that attends our moneyless winter clothing swap that even though I'm there and planned it, I'm actually a con artist.