A sobering thought indeed. However I would imagine that homeless people do not have the network of friends and family to fall back on, that the rest of us rely on to a greater or lesser degree.
They (money "experts") say you should always have at least 2 months worth of paychecks in a savings account. Prehaps the operative words here are "at least". I have 2 months but will now try to save for 6.
At the end of the day the more secure you feel, the happier you will be with life in general. That for me is partly what this forum is about.