@Jerykk said "gross generalisations based on no evidence and a complete lack of understanding of how society currently works (or, in this case, does not work)."

The mentally ill: I live in Switzerland and, while our politics are far from perfect, you will not see mentally ill homeless people because they are cared for and given work by social institutions. If the mentally ill are homeless, it is society's fault.

The uneducated: almost unequivocally poor as well; it is the responsibility of any self-respecting, "civilised" society to make sure their entire population gets proper education. This doesn't mean everyone should have a PhD; learning a trade is also an education (& no useful job a human can do should be denigrated).
The way you say it, it's as if you're blaming uneducatedness on the uneducated, but would you know anything about how our societies work, you'd know that is completely illogical.

The irresponsible: considering what you follow up with, you basically mean here "the poor/uneducated", and you regurgitate the Fox News cliché of the dumb and reckless poor person wasting money and making all the wrong decisions. Yes, people with limited-to-no education (see above) will be easier to dupe into debt, bad credit/mortgages, etc, and they will also be less likely to know of (or accept the use of, you asshole Christianity) contraceptives, nor be able to afford abortions should they need one.

Second chances and recidivism: there's an interesting quote from an article on recidivism (taken from the Wiki): "Former criminals rose to become some of America's greatest leaders in law, industry, and politics. This possibility seems to be narrowing as criminal records become electronically stored and accessible."
The fact that, the more you treat a person who has committed a crime as a criminal, during and after hir internment, the more that person will have hir choices narrowed to exactly that. Especially when, on leaving detention during which nothing was learned (countries with the lowest recidivism have their inmates work and learn trades), society still brands them as criminal and refuses to let them survive in a legal fashion. Not to mention the ridiculously out-of-proportion rates of incarceration in the US, and for a number of non-crimes as well; what a great way to harden and anti-socialise your youths.

Are there lazy moochers and irreconcilable criminals out there? Definitely, but they are not the norm.