Agreed 100%. I lived on Division and Wells for 4 years and never saw homelessness like I see walking from our startup office in SF to visit our bank.

That said, Chicago's true poor are cached away far south of the places where people who read Hacker News would likely live.

I live in Chicago and see them every single day. They are usually on buses and trains or at the stops and stations. I also see them digging through the trash in the alley behind my building.