The main issue is addiction which is often compounded with mental illness.
If anyone has ever had a close friend or family member with serious addiction problems, even those in good living situations with loving families and lots of insurance / resources often face a bleak future. I have two people I was very close to with strong addiction issues and both of them had tons of people actively trying to help them and both were homeless for a period and both died at young ages, even having been through rehab multiple times.
I give to the charities that help people with addiction so at least the ones open to help have some options.
There but for the grace of God go I.
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