I'm no expert, but I think the problem of the homeless is that they are without a home/residence.
Typically a symptom, not the root issue.
How is giving them "a coffee and a bagel" remedying the situation? And if it's not, how is that "[t]aking individual responsibilty for helping others"?
It is not remedying the situation, it's showing some direct kindness instead of expecting others to deal with it.
Unless you're up for offering the homeless a room in your house, the homeless will stay homeless 'til
the community deals with the problem.
That's why society works -- because Bob don't have to take 'individual responsibility' for the nuclear reactor to have nuclear power, and don't need to do home surgery to have medical care. He 'expects others' to do it, and they, in turn, expect Bob to do his part, like pay his frickin' taxes instead of ratting away the money he stole from his community, and stashing it in internet magical beans.
The DIY ethic only takes you so far, life is a collective/cooperative, not individual/competitive, sport.