And there is the flaw in your reasoning. The rain falls upon the just and the unjust. Giving charity to someone who is poor through bad luck or circumstances is not the same as giving a fiver to the drunk who is just going to use it to buy more booze. It is charity to help the innocent poor. It is likewise charity to hold the "guilty" poor responsible for their own behavior.
We're not all universalists, ya know? This charitable act will not benefit all. It's for the elect. (Did I just say that?)
SD