What would a person of....

What scenario would happenwith person of a certain occupation(carpenter,house mom,etc.) and a ho-bo/homeless person on the side of the street.
Here's what an insurance broker would say:

*Grab attention of Ho-Bo*
Broker:Sir,you seem like the person who has a family.
*Ho-Bo looks puzzled*
Broker:If you die your family won't have a place to live because your the one who's the bread bringer in the family, an i right???
*Ho-Bo noddes*
Broker:Well then you need a premium a life insurance plan.You need it because if you die your wife will lose your Box!!!
Ho-Bo: Noooo!!!
Broker:OK then sign this paper that says that we will own you sou...i mean...will leave money to your family after you've gone as long as you pay us in monthly installments.
*Ho-Bo signs and Broker Leaves*
*Ho-Bo turns to talk to the other Ho-Bo's*
Other Ho-Bo: What were you doing there
Ho-Bo:A broker said i looked like a guy with a family,so apparently i have a family,even though i've never had a family and now i pay money to this guy for this family....