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Informal accommodation.
You can offer people money for anything, you can pay a security guard who's stuck somewhere anyway, to not move you on. It's more that if they didn't care to begin with, they won't have to approach you later.
So for example near a train station if you loitered the guard might have to come over, wake you up, demand to know what you're doing. But if you approached the guard and just told them that you've got a five hour wait for your train, they will be like....OK...and? And then you can just go sit down and they'll be like...oh this MF going to sit for 5 hours in my lobby, damn. But they know why you're there, know that you'll leave, either they stop you straight away or won't bother you at all. They might offer you a smoke or a coffee if they're bored.
There are many businesses where loitering is fairly accepted, gyms, bath houses, gaming cafes, ok maybe you can't afford a room, but often it's not about the money it's about not having a booking, etc etc. Many people in certain countries, industries will just offer to put you up for the night. Gaming cafes open 24/7, if you book 5 hours or whatever at night they often just straight up ask if you want to sleep because they'd rather the computer free. Very Japanese, Chinese sort of thing.
You can beg anyone who's probably local and honest for a room, if nobody has ever asked them, they'll often say yes. Various gifts and good manners is key. I always carry gift items. That's the homeless guy who's homeless by choice, isn't distressed, isn't going to stab you.
I tend to advise against camping gear because that marks you as long term homeless, people think drugs, squatters, trash. So you don't use, or don't get seen with dedicated camping gear. Sit up against your bag, zip your spare clothes into your bag cover and use that as a pad, wear a jacket backwards. That's a dude who's waiting, in transit, a traveller, on the move.
