For what it's worth I don't think fundamentally Sunak is a terrible person. He's weak, out of his depth and not very competent, but ultimately he's a product of his background and upbringing.
He doesn't understand what homeless people are going through, how could he? They're so far removed from the world he's lived in his entire life they might as well live in Narnia. He barely understands the middle class, never mind anyone poorer than that.
He probably thinks he's doing the right things. Problem is he's surrounded by people (as he has all his life) who will be telling him things like homelessness is a choice, poverty is exaggerated and anyone can get on if they're just willing to work "hard enough". And he'll believe it because he'll never have seen anything to shake him from that worldview.
He is completely unfit to be prime minister, just a privileged little rich boy who sees everything through a very specific lense, surrounded by some very dangerous immoral snakes who'll have him wrapped round their fingers.