I'm no expert, but I think the problem of the homeless is that they are without a home/residence.
Typically a symptom, not the root issue.
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"?
It is not remedying the situation, it's showing some direct kindness instead of expecting others to deal with it.
Whatever the reason behind it, the homeless person is there and likely hasn't eaten. What you do about that is up to you, I guess. (Though established homeless charities will likely make better use of the money).
If you're just using other peoples misery to make yourself feel good then maybe you should just keep it to yourself.
A very skewed view of the situation. Though I agree it doesn't really have any place on this thread. But then, what does?
I guess really though, since Hyperjacked wasn't addressing you directly, it just seems odd you would take it so personally.