I have personally experienced kind and loving care in the way of gifts of money and of housing when I was going through what I call my "homeless adventure" when I was coming into and then later a part of, the JWs.
So, I don't think it's fair to say most JW congregation are entirely heartless to needy ones, because I know that that's not true from my own personal experience, BUT, I also know that there were ones that needed help and weren't getting it and I can see where certain assumptions were made about different ones in the congregation and those wrong assumptions promoted and permitted needy ones to fall through the cracks in an Org that claims to take such good care of it's own. The problem is that though they SAY that they take care of their own and they TELL the R&F to do so....the reality is the atmosphere in the average KH does not promote charity and kindness as it should.
I think it boils down to spiritual maturity. Those that seek to imitate Jesus are genuienly loving and kind, those that seek to imitate a manmade organization don't mature spiritually, they don't imitate Christ, and their works are out of obligation and not out of geniune love for others.
The folks that extended help to me did so because they were loving, genious, caring people, who happened to be Witnesses. I don't think they helped me because they felt obligated to, I think it was because they genuinely cared.
An interesting point that I remember:
The sister who studied with me (pioneer, elders wife, and one of the most loving people I have ever met in my life) told me that only widows age 65 and older were eligiable for "congregation assistance." At that time, I was really struggling to survive, and she just mentioned that, though I did not ask about it. That implies that widows age sixty-five and over in good standing good collective monatary assistance from the congregation if need be. So, at least at that time (1997) there was a program in place to help some folks, though it was not available for everyone.
Truth