I think when you're starting to set conditions for who you're going to help or not, you're going down a slippery slope.
Deut. 15:7. If there is a poor man among you, one of your brothers, in any of the towns of the land which the LORD your God is giving you, you shall not harden your heart, nor close your hand to your poor brother; but you shall freely open your hand to him, and generously lend him sufficient for his need in whatever he lacks.
Deut. 26:12. When you have finished paying the complete tithe of your increase in the third year, the year of tithing, then you shall give it to the Levite, to the stranger, to the orphan and the widow, that they may eat in your towns, and be satisfied.
Is. 58:66ff. Is this not the fast which I choose, to loosen the bonds of wickedness, to undo the bands of the yoke, and to let the oppressed go free, and break every yoke? Is it not to divide your bread with the hungry, and bring the homeless poor into the house; when you see the naked, to cover him, and not to hide yourself from your own flesh?
Mt. 5:42. Give to him who asks of you, and do not turn away from him who wants to borrow from you.
1 John 3:17. But whoever has the world's goods, and beholds his brother in need and closes his heart against him, how does the love of God abide in him?
Besides, judging poor people who don't work based on your extremely limited perception and insight into their situation and how they got there, is not a very loving and spiritually adept stance in my opinion.
Let God take care of the judging, our narrow minded perspective is not qualifed for that job.