Here, let me elaborate: Stop trying to tie yourself to the individual and look at the greater problem. It's a west coast elitist mentality that gives you the "hey, look at this person I'm helping out!" Ever see those commercials they've been doing for decades now where you make an generic donation, and the charity sends you photos of people you're helping? That's a much better approach.
You might be genuinely interested in helping others but other people might not. People are not equally determined in overcoming any obstacle in their way to help someone in need. So making it easier for people to help would let more people receive help.
Do you agree this would be helpful to more people?
What striked me as interesting in your comment is how passionate you are about it. It's the kind of comment someone honest and genuinely caring makes after they've been burned. If someone treated you unfairly it can become an impetus for you to do great things.
I also wish HN readers tried to be more understanding.
(Note: I did not downvote you.)