No, you are not wrong. I am not at all representative of the general homeless population in SF. I doubt anyone is. The homeless is probably one of the most diverse of any classifiable group in San Francisco. People are homeless for numerous reasons, and I bet any similarity you find is only superficial.
Note that I never considered my self homeless. My 1981 VW vanagon—which we named Sunny—was a plenty good home for me. It was the first home I bought with my partner and we had a really good life in it. We would have stayed in it longer if it wasn’t so difficult to immigrate into the USA. But I know—and understand why—many people consider that homelessness.
Do you realize that a tax paying citizen would have to pay a pretty hefty fee if they parked anywhere for an emergency?
Street parking everywhere because parking garages are being converted into affordable homes for people who can’t afford to live in one of the most expensive zip codes in the USA.
Homeless people who park their RVs and vans in public parks and open spaces are removing them from public consumption for those who paid taxes to maintain these spaces and commons.
The question how representative are you of the general homeless population in SF. I would guess not much. Am I wrong?