Do I think what you're thinking about the homesless guy is bad? No. Could he still be homeless? Yes, since there are a lot of degrees of homelessness. He could live in a shelter, or in a tent, or in his van like another guy I know. Maybe he has a place to shower and goes to the laudrymat regularily. Does that mean you should feel bad about thinking those things? No, not at all.
Gah. OK, I'm babbling.