What is the biggest threat to you being completely penniless in your area?

What is the biggest threat to you being completely penniless in your area?
Some places have homeless shelters and may offer minimal food so that the homeless won't die. As far as I know Germany is being one of them. At least they have something similar to foodstamps and while I lived there growing up, we qualified for them (they were giving away food, that neared their expiration dates).

Where I am (the poor east) the biggest threat of being penniless is literally death by starvation or hypothermia. It's survival of the least impoverished over here.
What is the biggest threat to you being completely penniless in your area?
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