It is a failure on many levels - systematic ones, mostly. But if you read OP's post as not singling out the failure as being personally and solely responsible for their plight, rather than as a systematic failure, then we might simply differ on reading it. Donating money to combat homelessness at a systematic level is (in my opinion) probably a good thing. I just didn't get that sentiment in what I saw, though I allow for the (frequent and possible) chance that I am wrong in my interpretation.