I have learned that it is difficult to be a good giver in the sense of having good discernment that the charity will in fact truley help those in need.
Just throwing money at problems without discernment, IMHO places one in spiritual danger.
There are still worse sins in the world than this.
God will judge kindly according to what you mean, not necessarily according to what the recipient meant.
If there should be a rule, it’s that what you give should always have at least a little gospel in it. I will hand a 20 to a begging homeless man on the street, for example, but I will also be sure to tell him “The Lord is near.” Now the onus is on him before the Lord to take it in that spirit or to push the Lord off and use it on his God-forgetting pleasure.