Do you expect the homeless loser to be a hero? There were not just one but two. Faces say nothing about what is in a person. We all know that but yet our attitude and behavior suggest that we do not. It is best simply not to judge a book by its cover. Give people a chance and if you must from the risk and exposure, it is alright to protect or insure yourself. What everyone needs is an opportunity to show their true selves and even to work at becoming at becoming better angels of ourselves.
Homeless losers? There used to be many such losers but today given the structure of the economy and society, there are simply more people down on their luck than lazy losers. Therefore expect many hidden gems of heroes among us.