for heaven's sake ... I can just hear what the OP was thinking just before she did it ...
"Hmm. I heard this story about a good deed ... it makes me feel like doing the same thing ... There's a woman who looks like she could use $100 ... I have $100 ... naaah, I'm not going to do it. It's easier to just keep my money, heck I worked hard for it, why should I give it away to someone else when I don't even know how they'll spend it? Nobody is worthy enough to take MY money. I have to reserve judgement on how she'll use it, besides. What if she spends it wrongly? Gosh, no, I can't do it. ... Wait, no, but if I give this lady the $100, then think about all the people I can tell about what a good thing I did! And they will praise me, and laud me, and I will look SO good to all of them! Okay, I'll do it!"
Ya think?
NOT!
There's way too much judgment in this world.