This is the correct answer.
I live in a largely industrial town with a few wealthy business owners and a large number of low-income laborers. The middle-class is limited to basically government employees. As a result, there is a lot of charitable giving by the wealthier business owners just out of necessity.
In addition to the food pantries, homeless shelters / safe houses, and Salvation Army, most business owners also donate to needy individuals directly. Sometimes, someone will learn of an exceptional need (such as unexpected illness) and contact all the business owners in town to give. Sometimes, we will just give money directly to the people who ask. I realize that I already support these people through my taxes and my donations to the various faith-based charities, but I still feel an obligation to give because I've been blessed with the ability to do so. In the past year, I've tried to regularly help out two guys who I personally know because they've done odd jobs for me in the past. Unfortunately, they're both hooked on meth right now. In that situation, I don't feel right giving them cash so I'll deposit money on their account at the electric company whenever they tell me they desperately need money. One of the guys, despite his addiction, is very grateful each time I give, and has sincerely offered to do any work I need free of charge. The other guy tended to call me only when he was high, and on one occasion called me repeatedly and showed up at my office agressively demanding cash, and I finally had to tell him to never call or come by my office again. Having had one good experience and one bad experience doesn't change the obligation I feel to help these guys out.
It would be easy to talk myself out of giving. For one thing, they receive a living wage through disability, EBT, and various other government programs. They could make it if they prioritized their spending and got off drugs. For another, when they come to me it means that they've maxed out the monthly allotment of money they receive from the Salvation Army, the food pantry, and the other faith-based charities that I also support. For another, they both have smart phones (and probably other status items) than you wouldn't associate with poverty. But despite all that, the benefit of having me and other individuals in town believing in them to go straight and get back on their feet (rather than a government bureaucrat or a food pantry volunteer) is of enough benefit that I believe I have an obligation to continue doing it.
I oppose having even more of my taxes paid to the poor. With the guy who became demanding and tried to intimidate me into giving him more cash, I was free to tell him to leave and never come back to my office. It was a voluntary charity that I put an end to. But with the government, I don't have the luxury of telling them no. Also, with the government, these guys would have nobody to talk to to encorage them to get back on their feet, because it would suddenly stop being a "charity" and would start becoming a "right".