It’s a normal human trait, which is why it’s so easily taken advantage of. If you wish to do something for your local population of people suffering homelessness there are plenty of charities to donate time or money to that will ensure it is spent more wisely than most any singular person suffering from homelessness would likely spend it themselves.
They’ve not necessarily lost faculties of their mind, nor do I disparage those suffering from homelessness. They’re humans, people just like you and me, but they often suffer from addiction and mental illnesses that would make financing them directly a negative impact in their lives. So how about you think about the compliexites of problems and how to actually solve them instead of getting rage baited like an upset Karen? (upwards of 40% abuse alcohol statistically Source: https://www.addictionhelp.com/addiction/homelessness/ and 20-30% suffer from mental illness Source: https://www.psychologytoday.com/us/blog/mind-matters-menninger/202105/the-complex-link-between-homelessness-and-mental-health)