I donate to homeless shelters chain. It’s a wonderful chain, I’ve been in several of their shelters as I sometimes volunteer there:shelters and soup kitchens. In fact amount is being taken out of my card automatically every month.

No I do not carry cash on me hence I won’t be giving anything to beggars. But I also don’t have beggars where I live, i am in a rather affluent area. I’d have to do ton of driving to get to where I might see beggars. But I do my part like donating and volunteering as I said above.

I’d not shame people who don’t give to beggars or dont donate and it doesn’t matter why they don’t give. No one’s business. People do what they can and want. So do what you feel is right and appropriate. Don’t worry about others