You mean, it's the most self-loving policy that you can adopt. "Charitable" giving is for when others cannot do for themselves, and is based on the Christian application of the meaning of the Greek concept called "agape" -- which is to sovereignly prefer one above self and others. Perhaps you need to review the concept of what "charity" and "love" implies, for I fear your conclusion misses the concept.
It might help to look at Matthew Henry's discussion of the word: "To love our neighbour as ourselves, is the second great commandment. There is a self-love which is corrupt, and the root of the greatest sins, and it must be put off and mortified; but there is a self-love which is the rule of the greatest duty: we must have a due concern for the welfare of our own souls and bodies. And we must love our neighbour as truly and sincerely as we love ourselves; in many cases we must deny ourselves for the good of others."
It is not, of course. wise to respond to those agencies which would misuse the tangible form of compassion which they ask you to place in their trust, but totally withdrawing material help for others in time of need is the corrupt form of self-love which Henry describes.
How would you like The God and kind-hearted men to act toward you? By withdrawing undeserved compassion toward you in your time of need?
Just observing and asking --
It is called a refiner’s fire. We all go through it. You can look it up in the Bible.
Codependency is an illness.
Enabling people is an illness.
Healthy people are going to seek healing for themselves, over giving enabling.