Yes that is charity, giving something for nothing, and it usually results in MORE of the same doesn't it? I am suggesting that perhaps we need to move beyond the "it makes me feel good about myself" mode and look at programs that might ACTUALLY work and spend the money wiser.
Why not have these people help build the houses they will get and earn them by giving something back? Makes them feel better about themselves, teaches them a skill perhaps and teaches them responsibility; something that is lacking in that part of the economic spectrum.
But alas, I wander way off topic so I will let you and Dx have the last words on the issue.