If life taught me something, it's that the brutal answer is usually the right one. The world somehow undeservedly give enormous credit to the social systems of Nordic countries. Simply look at the numbers. Finland for a country larger than Poland and UK has only 5m inhabitants. Another "fun fact" - Sweden has worse wealth inequality than Russia.
As far I understand things, due to the weather and climate over there, anybody not in a seriously built home properly connected to utility networks is literaly dead. And those home must be properly maintained, not to mention they must have some empty spares, which must stay empty but ready, in case some nasty big local event does happen.
In other words, you better be welcomed over there, or you'll die, literaly.
And with climate change, I wonder if the current weather computer simulations on the new climate we are creating will generate extreme cold events in more southern countries, long enough event to kill many homeless if not all.