I also always remember these words from Luther's explanation to the Fifth Commandment in the Large Catechism:
Second, a person who does evil to his neighbor is not the only one guilty under this commandment. It also applies to anyone who can do his neighbor good, prevent or resist evil, defend, and save his neighbor so that no bodily harm or hurt happen to him—yet does not do this [James 2:15–16]. If, therefore, you send away someone who is naked when you could clothe him, you have caused him to freeze to death. If you see someone suffer hunger and do not give him food, you have caused him to starve. So also, if you see anyone innocently sentenced to death or in similar distress, and do not save him, although you know ways and means to do so, you have killed him. It will not work for you to make the excuse that you did not provide any help, counsel, or aid to harm him. For you have withheld your love from him and deprived him of the benefit by which his life would have been saved. [From Concordia: The Lutheran Confessions. 2005 (P. T. McCain, Ed.) (380). St. Louis, MO: Concordia Publishing House.]So, do I get taken advantage of? Probably. Do I help people in real need? I know I do. No one said it was gonna be easy.