Well, as someone who's actually been homeless, my two cents :
Government welfare is faceless and unloving, which is why Mother Theresa's disbanded her huge corporate charity bureaucracy to get back to her roots; BUT today communities are so fractured often they cannot provide. So, maybe, at first, state funds controlled by LOCAL communities (The Catholic/Anglican economic ideas of the Red Tories)
Many of my homeless friends, and I myself, really were perversely unwilling to better ourselves. Many were also mentally ill, drug addicted etc
I don't think there is anything intrinsically bad about being poor. My understanding was that the poor are here for us to practice virtue, as persons (another reason impersonal government is not, ultimately, the solution)
At our church, we apparently had alot of trouble getting folks to help out at soup kitchens, since many parishioners were hard working immigrants who refused to help people who often were judged lazy and ungrateful.
BUT, thankfully, I don't have to rely on my fallen opinion. Apparently it doesn't matter if they're lazy or "unworthy" because I am unworthy of life, and Christ has sacrificed Himself regardless ! To give to someone who doesn't "deserve" it is to act like God !
From the Great and Most Holy St John Chrysostom, whose mass I celebrate every Sunday :
"The almsgiver is a harbor for those in necessity: a harbor receives all who have encountered shipwreck, and frees them from danger; whether they are bad or good or whatever they are who are in danger, it escorts them into its own shelter. So you likewise, when you see on earth the man who has encountered the shipwreck of poverty, do not judge him, do not seek an account of his life, but free him from his misfortune. God has excused you from all officiousness and meddlesomeness. . . . A judge is one thing, an almsgiver is another."
"By this we are taught that when we do not show mercy, we will be punished just like those who steal. For our money is the Lord’ s, however we may have gathered it."
"I beg you, remember this without fail, that not to share our own wealth with the poor is theft from the poor"
“For if you wish to show kindness, you must not require an accounting of a person's life, but merely correct his poverty and fill his need.”
“The poor man has one plea, his want and his standing in need: do not require anything else from him; but even if he is the most wicked of all men and is at a loss for his necessary sustenance, let us free him from hunger.”
“When you see on earth the man who has encountered the shipwreck of poverty, do not judge him, do not seek an account of his life, but free him from his misfortune.”
“Charity is so called because we give it even to the unworthy.”
“Need alone is the poor man's worthiness . . .”
“We show mercy on him not because of his virtue but because of his misfortune, in order that we ourselves may receive from the Master His great mercy . . .”