No solution will come because this is what the system wants, what the system was designed to do.

Bankruptcy does not mean you are bad with money, it just means you were the slowest person. And the slowest person gets whacked. (its fractional reserve lending; there is never enough money)

The system wants broken people, and everyone hanging on the edge of poverty.
That way they can put people into camps, and they will go willingly for food.
They can enact CBDCs and people will gladly take them, because food and shelter.

The original homeless population really needed mental care facilities.
And we have always needed more public bathrooms and showers.
But we do not seem to be able to afford such simple things...

it is all by plan.