Is San Francisco homelessness bad?

No, and yes. Homeless people aren’t second-class citizens, they’re normal people who can’t pay rent. All US cities have ~1% homelessness, including SF. So SF isn’t notably worse than elsewhere. But the primary cause is always lack of affordable housing, and SF has notoriously bad housing policy. Worse, SF has less shelter. NY shelters 95% overnight vs SF shelters only 16%.