I don't look at it in such a binary way, but it is an interesting question and generalisation. For me, instead of imagining this binary choice, consider a grid containing 100 squares. The further left on the grid, the lower the inclination towards something, and similarly on the right hand side the higher the inclination. Each row on that grid are different domains, such as mental health issues, laziness, attitude, upbringing, luck and so on.
Within this framework, people can be affected by a number of these elements. They may get a 4 in the luck domain but a 1 in attitude.
So, a homeless person could be someone who is lazy, bad attitude, thinks the world owes them a living. But they could also be someone who had a really unfortunate upbringing, where there attitudes were partly moulded by their environment, leading them to take bad life choices. Or they could have a genetic profile that leads them to a high probability of drug use.
That is how I view the homeless.
I knew two people who were sponging off the state for 15 years. They weren't homeless because the government gave them a home for free. This was during a time of struggle when I didn't have my own front door, living with my parents, despite working my butt off and neither of these guys doing anything. One said working doesn't suit his lifestyle, which was getting up at 2pm in the afternoon and lazing around. "I've paid my taxes!", he said. The other said it is easy to fake depression at the doctors, and so therefore he doesn't have to work. Go figure.