Are poor people not allowed to have fun?
>I know how they got fired from their job for not showing up.
Are depressed people not worthy of keeping alive? Do they not bring enough value to the table, so it's okay to just let them die?
>I know they blew their tax return in a week.
Is poor financial sense justification for not helping someone out that needs help?
I dunno, these all seem like kinda tenuous justifications for not giving. By all means, it's your money. I'm not telling you how to spend it. Just that I don't agree with the core idea that poor people should live like hermits, that you know everything about people's lives, that not being taught finance by anyone is a solid justification for not giving.
It seems rather post-hoc. Personally I don't think any of thse things should justify someone losing basic human rights like food, shelter, or health. This isn't to say the problem should be solved by private charity, it shouldn't. Can't, I would even say.