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I think you are both wrong.... I think it is the MAJORITY of the visible so called "homeless" that you see at the highway intersection are frauds!
The really desperate homeless, the ones who truely need our help, are not the visible ones on the intersection.
But the fact that they can make so much (frauds or not frauds) testifies to how generous the private sector is and can be, just the opposite of what you say the private sector is?