
This, 100%. How people view the homeless (as a group, if not individually) is the quintessential, textbook example of just-world fallacy.
And your interpretation that it is a coping mechanism is also accurate. People need to resolve the cognitive dissonance of “I’m a good person, and good people help the homeless, but I’m not helping the homeless for X,Y,Z (possibly legitimate) reasons”. One of the easiest ways to resolve that is the just-world fallacy
It shouldn’t be that confusing, considering this is literally the challenge lawmakers (honest ones, as rare as they are) face.
There’s a great blog post by Neil Gaiman (despite recent revelations about his misconduct) that talks about “why we must defend icky speech”.
Long story short, the law is a blunt instrument. If you cannot clearly and accurately define the terms being used in the language of the law then you wind up with a law that can be applied beyond the intended scope. Like when you write laws about freedom of religion and then wind up with The Satanic Temple erecting statues of Baphomet in court houses. Or banning the Bible from library because it contains depictions of violence and sexual deviancy or promiscuity
These issues aren’t just academic. They have real-world consequences. Like, there have literally been legal rulings made based on the presence or absence of an Oxford comma
Is that kind of pedantry useful to the average conversation? No, of course not. But there are people trying to make laws that target women, or trans women, and if they can’t accurately define what a woman is then the law can be used to target people they didn’t want targeted.
Which is one of many reasons why trying to target trans folks with legal authority is a fool’s errand