My dear FRiend...I've lived in a tent and in a homeless shelter, and I even paid what rent I could when there. I have given more to charity/non-profits than I make in a year at my current position. And when in the position to have children, I never had ones I couldn't afford (IOW, I had none). I have never been a beggar, but don't talk down to me like that. My comment was simply a spoof against your argument on another thread that layaway is the salvation of poor people, rather than a cost to all.
Besides, I'm in the US...if a beggar walks up to me, hand out, I can simply say, "go ask the State for my money...that's where it is..." They've taken over the role of private charity.