Wow! What’s with all of the complex machinations to do a charitable act? Be charitable and be on your way or not. If you cannot afford to give a bum a buck without contemplating whether you’re being scammed/ripped off/cheated then save your dollar and give it to the IRS. This is where “What difference does it make?” really counts. So the guy/gal gives you some BS story. Big deal.
Are we charitable Christian conservatives or social engineers using your money to coerce others to do your bidding? So he buys drugz/booze with your dollar? Not your responsibility. You’re serving the virtue of charity. You’ve done your part.
Sorry to be so out of line.