Perhaps this is true in some strictly literal sense, but we could argue all day about whether the responsibility for that judgement and those choices really lies with the homeless person in question, or with our culture, education, and society.

If a lot of apparently sane people make (disastrously) bad choices, I think it should be our first inclination to consider where the bad choices are coming from, and perhaps try to help them make better ones, before we dismiss the issue as some individual flaw.