I don't know about race, but I did read a piece by a young man who viewed homelessness as a sort of urban camping. He didn't use drugs and he didn't beg-- he found enough odd jobs.
A long time friend of mine wrote an article for the New York Times about her boyfriend's decision to become homeless.
From Mike Darwn's Chronopause, an essay titled "Would You Like Another Plate of This?", discussing people's attitudes to life:
Conclusion, graphs, and references in article. As usual, I recommend reading Chronopause.com as Darwin has many good articles; to quickly link a few: