My hubby and I have come very close to being flat broke and at risk of losing our home. We both work in the construction industry and its sucked in our area for the last several years. I came face to face with how easy it would be to become homeless through no fault of our own. We've been lucky to keep our jobs when so many others have lost theirs.
I'm surprised you didn't see any JWs working the homeless camps. They're great at the whole 'keep warm and well fed' routine.