There is a legitimate debate about whether it is actually helping in the best way possible.
aye probably, but TBH I’m not really interested. Money is a tool, I can earn it, and spend/give it to whom I choose. If that’s a fiver to someone down on their luck, then it probably means more to them than me, might get scammed occasionally, but I’ll take a chance, and the world hasn’t stopped, nor am I really troubled if that’s happened.
I don’t buy food I give money, and once I’ve given money to someone, my belief is what they do with that money is their business and their business only, and I don’t get a say.