That's a non-answer, so I assume that's a "no" on the wife, kids, and/or letting them pedal through tent city.
In any event, homeless people are low on the threat scale because people generally avoid riding a Schwinn through homeless encampments, which should be perfectly obvious but I guess not.
I don't have kids. The homeless district is easy to avoid, and there's a k-12 school right on the edge of it with many kids walking, cycling and taking the bus to school. I've never heard of a serious incident involving homeless people.
Here's a fun fact for you: statistically cyclists live longer than non-cyclists, and that's in spite of all the hazards they have to deal with while out riding.
In any event, homeless people are low on the threat scale because people generally avoid riding a Schwinn through homeless encampments, which should be perfectly obvious but I guess not.