Depends on whether you personally know them. I live in an urban area so I know almost everyone but I keep forgetting some of you live in the city where you sometimes don't even know your next door neighbor. Yes, I would be more careful if I didn't know them.
It is always a help to know the people you are dealing with. Our church is in a city of about 20,000 so it is a little harder.
Bob, do you ever have people from out of town ask?
I find those are the most difficult to deal with, they say they are on their way somewhere etc.
Any time something like this happens, we never pressure the people of the church to give, but let all do as the see fit.
Oh, Bob, do you live in a rural or urban area? I was a little confused by your post.
I live in a small town but our church in in a bigger town.
Over all, I would like to think that if I helped someone in need, that it would be worth it if every once in a while, the money got misused.
As for people within our church, I don't think anyone has ever asked, but when we have known to help, we did.
Especially in the case of a widow once.