MerylStreep is quite right UG - a good number of the people I’ve worked have jobs that pre-date their homelessness.
A ‘typical’ (if there could be said to be such a thing) scenario could be as follows:
A man or woman in their forties gets a flat through a private rental 20 years ago. The month’s deposit, at the time, was £350. The person is in a low paid job and lives hand to mouth and therefore has no savings. After 20 years the landlord has increased the rent and it is now £650 a month. The renter has never defaulted on a rent payment, but the owner has decided to sell the property and gives the tenant one month’s notice. There is a shortage of rental properties in the town and even if one could be found landlords require one month’s deposit plus a month’s rent in advance. It takes several weeks for the original deposit to be returned and in the meantime our person does not have even the £300 difference between the costs of the old deposit and the new - hence s/he becomes homeless.
In fact lodgings in my town are in the region of £500 just for a room and most people in low paid work can only afford up to £400. Lodgings are slightly cheaper in the nearby city, but bus fares are more than £10 a day, so it’s not a workable solution for the staff of nursing homes, care workers, bar staff and hotel workers.
Unless there is a ‘priority’ need no-one can simply get social housing just because they’re homeless and Callistemon is right in saying that providing temporary housing in a B&B is often a very poor substitute for a home. Some B&B providers stipulate that rooms must be vacated during the day.