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Things change over the course of a person’s life, things change over the average 10-year lifespan of a pet.
Those who don’t have pets and don’t have stable housing, of course, shouldn’t adopt a pet. I agree with you here.
However, for those who already had a pet before their housing situation worsened, it’s hard to “no longer have a pet.” A pet owner can’t just put the pet up for adoption, because a pet becomes familiar with its owner (and there are breeds that can’t re-familiarize themselves with another owner, especially some cats).
Take the aftermath of COVID-19 pandemic for example: How many people have lost their homes due to job loss because the business they worked for went out of business due to the economic factors brought on by the pandemic? How many people have lost their homes due to the death (due to COVID) of a retired/working family member who used to help pay the bills? If these people have a dog, cat, or something else, they probably had the pet before the situation. They must've find another home, with the pets.
But then, many landlords (not only in the US) have the same thoughts as the OP: they don't accept tenants who have pets, regardless of what species or breed. I'm a cat person, I live with four cats, and they're not noisy. They don't go outside, they stay indoors, because they're neutered. But such details don't matter to landlords who have the immutable idea of "pets are noisy".
So here's the problem: this is a significant factor for homeless pets wandering the streets. Due to despair, some pet owners will simply abandon the pet on the streets, regardless of the laws (it's generally a crime to abandon a pet), so a housing can be afforded due to the stubborn rule of "no pets allowed", which curiously is not regulated by the same laws (it's not a crime to have prejudice/bigotry against tenants who are pet owners or if they have a baby). Fewer people do the right thing at this situation and put the pets to adoption but, as I said, it's not an easy thing for some species and breeds.