I think the UK tried something along the line of providing home ownership for all that wanted a long time back, but I don't think it worked. You are right, Finland's program is totally incompatible with Libertarian thinking in that it supports the ideas that all people have value and deserve to live in dignity, that the government should provide for needs that the private sector fails to meet, and that the whole society is in it together, as evidenced by the use of lottery revenue to fund the housing.

Libertarians, however, would probably argue with the point that housing is cheaper for the state than homelessness because they would say that all the costs of " emergencies" such as accidents, assaults, etc. could easily be eliminated by just turning a blind eye to the homeless and letting them suffer on the streets and then die in the gutter. The only problem is that occaisionally one of those homeless might assault or kill some proper person like the Libertarian or their loved one, in which their viewpoint of neglect would suddenly get turned on its head and they would demand the death penalty for the homeless killer. In other words," I don't care about anyone outside my circle until something affects me....."