Fear of homelessness

I'm having an increasingly hard time with my bipolar disorder and have been taking lots of time off work in the past few weeks. I want to quit my job (but stay in horticulture of some kind) but as I have to pay my rent and the place I'd like to work is far away and would require moving from where I live now, I can't.

People with bipolar are eligible for disability support but it wouldn't cover my rent and I know that not working would cause further mental decline for me. I'm aware that it wouldn't take much for me to be homeless. I picture it. Especially in depression. It really scares me. I have a small van that I sleep in sometimes when I stay at work overnight but that's by choice. I'm not ready or willing to do full time van life.

Anyone else (especially middle-aged women) fearful about homelessness?