Who is Deserving?

The dilemma of wanting to help people is who to help? Christmas has just past, winter is here and everybody needs charity, especially with every benefit being cut. I've read about the deserving, undeserving poor and thought; isn't everybody deserving? Don't we all deserve help to some degree? I know I wouldn't be getting a B.A degree in criminology without the amount of help I've had. The general public seem to resent students for getting free handouts and argue that most young people are lazy, even if free handouts eventually get us a job. Or students are jealous of  other students who don't need handouts because they have rich parents, yet they end up with the same money as us and their parents probably expect a lot more back from their investment than my parents who don't mind what I do, as long as I enjoy doing it.

Choice is the matter, we choose to help who we think deserves it and can't help thinking that others are less deserving because this ideology has been drilled into us for over 100 hundred years. Therefore when I argue that homeless people are victims because they're homeless, my friend argues that their victims because they're too lazy to get a job or addicted to drugs, so their homelessness is their own fault. Apparently socialization has no part in economics and everything has a right answer or at least my house mates will argue for up to hours about the most economically viable society, whist ignoring all politics and ethics which criminologists have to consider. So I think to myself when I can't decide if I should give money to the homeless person, the busker or the preacher; who deserves it the most? Should I listen to my house mates and follow the most economic option which would be to keep it. Or should I listen to myself and give it to the homeless person because that's my dissertation topic and keeping it myself will only benefit the bank, not the community. 'Who is the most deserving' should be changed to who is the most beneficial? Giving my money to the preacher might encourage them to make society a better place through religion, regardless that I'm not religious. Giving it to the homeless man might benefit society if it gets him off the street (because we no longer own our streets) or he might spend it on booze or drugs or he might spend it on soup. The point is that who ever you give your money to, they will spend it. Were as giving it to the bank only benefits the bank. Selfishness only encourages us to become more individualised instead of diversified and selflessness through giving money or through volunteering will only ever benefit society, I don't care what your argument is; giving something for free will never cause harm to anybody. I volunteer, I keep my money to pay for student debt and instead I give time.

I'm assuming that we all have the same benefits in mind, but when most no longer believe in society and others believe in nothing else, who are we benefiting when we're not benefiting society? Where does our money go? Well, that we'd all like the know....