You know thats not a thing, right?

You ever been homeless?

I have.

What you are describing does not happen.

You know who the vast majority of homeless people are?

People like you, who then lost that job.

Women who got domestically abused and just had nowhere to go.

People who work that shitty job, but live in their car, because they can't afford rent anywhere.

People who ended up evicted, with serious medical conditions, because they can't afford their meds or hospital/doctors bills.

You know how I know that?

Well, I've also worked as a data analyst/software dev for a major non profit group that ran shelters, employment training/matching programs, gave people emergency rent assistance.

This line you just said is total horseshit, and I am telling you that both from my own lived anecdotal experience, and also from a data analysis perspective.

That line is about as true as the idea that 'anyone can be a millionaire if they just hustle hard enough.'

Your 'pet peeve' is a bullshit propoganda line, engineered to make people like you irrationally hate people who 'lost at capitalism' even harder than you currently are.