I was able to withdraw money from the local ATM. This is impossible for Americans. I, however, am not your average American and I have debit and credit cards issued outside America. American cards are not accepted in Cuba.
The only person I saw sleeping on the street is captured in this image. He’s in the right corner next to the wall. I think he was drunk. Cuba provides housing for all its citizens so I doubt he is homeless.
A Cuban artist sells his work on the streets late at night. I bought one of his works for 10CUCs.