Someday you might understand that giving is better than receiving...Fatman!
Your arguments are weak and this conversation is over!
Ignore him. Taking individual responsibility for helping others breaks his view that the government is the only body that can do so and therefore must take the wealth of others by force. (Even though, as you say, you yourself have not made it political).
I'm no expert, but I think the problem of the homeless is that they are without a home/residence. How is giving them "a coffee and a bagel" remedying the situation? And if it's not, how is that "[t]aking individual responsibilty for helping others"?
If you're just using other peoples misery to make yourself feel good then maybe you should just keep it to yourself.