First off, I don't know for sure who is or isn't homeless.

A begger with a sign that says "homeless" might be lying. Tents can be second residences.

A homeless person can be reasonably, even well, dressed and/or working.

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In your humble opinion, are the majority of the homeless people responsible for the situation they are in?

As I tend to believe in free will, ultimately yes.

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IOW: do they deserve to be homeless, because it is their personal failure or do they not, because they are a victim of the circumstances (the reasons they are where they are are largely out of their control)?

Do smokers deserve to have cancer, do people who eat over 3000 calories a day deserve their obesity?

No in all 3 cases, but life choices might, or even probably, lead to such.

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Have you ever talked to homeless people?

Probably.

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Are they really just “bad people”

No if they don't do bad things.

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and “will never change”

I suppose some do.

I suppose most find a home, some never do, and a few die homeless.

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or are they hardworking individuals who’ve just had a punch by life that they were unable to stand after?

I suppose that happens too.