Agreed.

Homeless colloquially implies it's involuntary and they want but can't afford a more secure place to sleep.

I've technically lived homelessly many times, often while employed, commuting from beautiful campgrounds w/showers in off-seasons or nice hotels.

I know rich people who live entirely out of hotels and airbnb's who are technically homeless. There's a literal meaning to homeless and a figurative one, most people are using the latter.