Ethicist from the NY Times Podcast

In the NY Time podcast under Ethicist dated May 29, Randy Cohen answer reader's questions on ethical issues. The issue was about a lady who helped a low income individual prepare his tax return. Her concern what about the fact that this individual she helped, used ten percent of his tax return to donate to his church, while most of his income came from unemployment benefits. In her opinion this individual did not need the money he received since he gave it away . Randy Cohen answer was that this man should not be condemned because he use his tax return to give it away and also certainly not because half of his income came from unemployment benefit. But rather should be admire for his action. First he has the right to collect unemployment benefits and second he should not be seen as a burden to other. Just like Randy said "lack of economy is not lack of ethics". He also define unemployment people as underfed, harass, miserable, endless misery". How do we overcome unemployment? Is it by changing our habits to the point that we stop doing good deeds to some who are in need just like we are? Or is it by sharing with other and hoping that some day things will get better?
Does charity can only be made by rich people? Even poor people feel the need to help other, to know that other will smile despite this difficult economy.