I used to work near a shelter and I’d get chased and harassed for money, I got threatened and yelled at regularly, and I got mugged once. Now being around the homeless makes me incredibly uneasy.
I donate to food banks and the shelters, but no way am I ever giving some unaccountable homeless person cash. If they want my help they can go through the proper channels, I know many won’t, but I don’t have the tools to find or help those people.