I feel the same way. Trying to be a moral person is quite time consuming, and people seem to love short circuiting it by relying on various rules of thumb. But once you start investing those, it’s like peeling an onion, there’s always another layer to it that you haven’t considered.
When is giving money to someone in need helpful and when is it enabling their helplessness?
How can you tell the difference between someone who needs your help and someone who just wants to take you for a ride?
Don’t forget that your time is literally the most valuable thing you can choose to give someone. If you had unlimited amounts of it you’d be a billionaire. Then again, perhaps it would just end up making it worthless because you don’t need to ration it anymore.