When I see people asking for handouts on the street I have faced a quandry about how to react. I can’t give to all of them and I have no desire to give if the gift would be wasted. After reading Mosiah 4 (again) I realize that “I give not because I have not, but if I had I would give” (verse 24) can apply for those who have enough to give but who have already given as much as they are able.
In my case, I no longer need to feel any pang of regret for not carrying cash to give on the streets when I have already given to organizations that are meant to help those very same individuals. In other words, I gave at the office once I received my means without waiting to see who I might meet on the street. I no longer need worry if I should give and take the chance that it would be used wisely by an individual because I have selected only the most effective charitable organizations to receive what I am able to give.