The problems are:

• they don't have money to buy homes
• they don't have money to buy beds
• we accept their suffering as necessary so that someone can make money from selling those things
• we accept that their life is worth nothing without the value of their labor
• we abdicate our own responsibility and become complicit by refusing to acknowledge the lack of humanity in this system

Interpreting everything through individuality is a choice. Just because you refuse to acknowledge systemic injustice does not mean it does not exist.