NB, if I were you I would just go with what your heart is telling you & do it. I have done similar things in the past. I was scolded by a friend once for giving to someone like that & I discussed it with my Mama(God rest her soul, who is in Heaven with Jesus). Mama told me somthing that I have never forgotten: she said that your heart is in the right place & that if their's(the receiver of the help) isn't that they will answer for it to the Lord. God bless you, NB. You are a very kind & generous person & this world needs more like you.
"Do your best. Keep your promises." The late GREAT Charlton Heston