I will never make fun of the homeless or criticize them, UNLESS I KNOW their individual circumstances or they reveal their character to me, and it's flawed.
Example: I eat in 'Greektown' once every two weeks or so.
There is a black guy down there in his 50s who always sleeps on the steps of a church nearby, and I know for a fact that he has a mental illness.
I always get him an order of takeout with either lamb or beef, a ton of potatoes, rice, peas and sauce (Greek Style - you'd know it if you ever had true Greek food), because I know that he appreciates it, can't work, and isn't taking money and buying liquor or drugs.
When he sees me, his eyes light up because he knows he's going to get a complete, hot meal.
When it's super cold in the winter, there have been times where I actually ordered his food with the table's, and took it out to him right away.
But the average guy or woman on the street? I'd say there's a 90% chance they're either able bodied and can work or will spend whatever money they're given on booze or drugs.