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I think you are conflating chronic homeless (less than 25% of all homeless) with people who are homeless for the first time, or have gone in and out of homelessness one or two times. The transiently homeless are absolutely driven there by lack of housing. Chronically homeless tend to have multiple issues that make serving them a challenge, but targeted support programs have been shown to make significant inroads even there.
This page has a lot of detailed breakdowns: https://endhomelessness.org/state-of-homelessness/
"Chronically homeless tend to have multiple issues that make serving them a challenge, but targeted support programs have been shown to make significant inroads even there."
That was the point I was making. It's not just lack of housing.