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Speaking anonymously... if I were homeless and could provide for my basic needs of, well, food and warmth and shit, I would probably spend the excess on booze or weed, too. Saving up pocket change isn't going to buy you a house, but it might buy you things that make you a little tiny bit happier about your fucked-up predicament. If you REALLY want to help, give them a job, or help them find one, but unloading the change from your pockets or throwing a few bucks to them could not possibly be more harm than good to those in real, serious need.
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