I think it is like being a life guard. Sometimes you swim out to save someone, but they panic mindlessly trying to use you as a flotation device. Sometimes this happens to drowning people who cannot help what they are doing, and they will grab you and drown both of you in panic, not consciously. When that panic happens you, a lifeguard, must let yourself sink, so that they release you. The panicking person will mindlessly release you since you are no longer floating. You wait for the panicked person to tire, and then you can drag them back to dry land.
A homeless person may, analogous to a panicking swimmer, be in a state of desperation. They may not value your life or your feelings. They may be willing to pull you down, mindlessly, not thinking clearly; or they may be ready to go back to dry land. They may allow you to pull them to shore. Then it is safe to decide to save them, but that is a decision you make at your own risk.