There was a time when if you didn't have $11 in your pocket you could be considered a vagrant and cited for it. Even if you had a stack of $100 bills waiting for you at home. Perception is key.
People have used blanket terms since we could communicate. We don't need to keep finely slicing and making new terms. We're already doing that in so many areas that it's hard to keep up.
I see homeless people in my area.
I see homeless people in vehicles in my area.
I see van lifers/dwellers in my area.
You can tell the difference. The police can too.
Some apartment renters handle their business and keep things up.
Some apartment renters are loud and disrespectful, and leave their crap everywhere.
You can tell the difference. The cops can too.
The same thing done different ways is still the same thing. And yes some don't have the resources to fix up a van or RV. But how you act and how you handle yourself will set you apart more than a new word or phrase.
Poverty doesn't mean you're a jerk. Or that you use drugs. Or that you can't clean up after yourself. It doesn't mean you're ignorant, or lazy.
But some use poverty as a catch-all to mean whatever they want it to mean.
We've all seen people in poverty that live respectable, good lives. They are proud, happy, and thoughtful. They might not have much, but they make good use of what they do have.
Poor, poverty, etc, are just words. It's not who people are. It's a circumstance. Who you are and how you go about your life is the determining factor.
A bad actor is going to remain one. Poor or rich. Until they decide they want something different.
Be a good person. Make good choices. When you make bad ones, get back up and make better ones.
Sorry for the long winded post, but it seems we hear the same things over and over.
I don't care if you're rich or poor. Just be a good human. The rest will work itself out.