Their stories are as varied as their circumstances, but there are two things we learn from homeless stories:   * It could happen to me   * Homeless people aren't much different from anyone else Working with the homeless can be fascinating once we get back our own preconceptions.  Some homeless have graduate degrees.  Othere have serviced with honor in the military.  Still others once held high-paying jobs.   * Until a catastrophic illness exceeded all insurance claims   * Until an ugly divorce stripped them of their families and their money   * Until they entered a death spiral of drug and alcohol addiction