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They lose their jobs. They become "downsized". Or they got a house (condo, apartment) that cost more money than they could afford. They might have invested in a house, thinking that the value of a house would Always go up, and it didn't. Most people probably become homeless because the economy turns bad and they suffer the consequences. They do the best they can, try and live within their means, and they suffer in a bad economic climate.
Homeless people can be kicked out of their apartment or house by not having the money to pay the bills; were kicked out due to a divorce, argument or other such conflict; or actually want to not have a home (for example, George Orwell spent a year dirt-poor on purpose).

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