There are people that choose to be homeless but there are countries where you have the right not to be homeless. In the country I live in (in central Europe) you can literally go to a facility that will give you a place to sleep and some food.
Also, to become homeless as a person that once worked is not that easy, you would have to deny multiple job offers (the state will go job hunting for you and present you with a few options). During that time you would still get unemployment money.