I want to give them money but since my childhood my parents pretty much told me that they are all either faking it or are too lazy to go to work for money. I mean, I guess they can go to work but not everyone gets accepted to work as easy as it sounds like.
no, because -
that is literally less than bare minimum and only provides help to those already getting support (applying for benefits takes much more than a bank account, without additional support, and a societal framework to end homelessness instead of making it “more manageable”, being able to get an account is still useless).
The only action any individual can take to end homelessness is to become an active anti-capitalist, since as long as capitalism exists, so will homelessness.