Any explanation, in your formulation, for the relatively new (well, since the 1930's anyhow) phenomenon of the tent city?

It's a groqing phenomenon.

Not everyone can get into apartments for now and then get "creative financing" the next time around. And a lot of them have kids; educational development issues? Certainly/

Understood that the more comfortable layers of American society are immune to (and therefore clueless about) the growing incidence of homelessness among the working poor. Your point speaks well to that immunity.

But is limited only to that comfortable layer.

The Hun is always either at your throat or at your feet. Winston Churchill