Can confirm, it just happens: hit a patch of bad luck, that turned into a skid of misfortune, that meant I had no place to sleep. Luckily got into a homeless shelter with two meals a day while I frantically tried to get my money situation under control.
Mine was a simple case of no money. Would have needed more help if I’d had substance abuse or mental health obstacles.
Now I’m always mindful of how quickly it can happen