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Probably never again then, the money you give to people makes me sad, because they either just use it for gambling and lose it or just scam you upright. :/
I feel like helping people, and yea, they scam me upfront. Don't know what to do 
Truth be told, you really don't help anybody...
Maybe you think you are, but you aren't. The people that you are donating money to, don't have any emergencies (we have heard it all, from sick children to saving the world projects). If someone would indeed need money for a serious problem, they would borrow from friends, relative, bank loans, etc... and not from a forum. In fact, 99.99% of new users that don't provide valid collateral are scammers. And even if they are not from the start and their intention is to pay back the loan, the idea that they can get away with defaulting the loan without any repercussions is really compelling to them.
Another thing, most of the newly created accounts that are asking for loans without collateral are the same old scammers that are plaguing this forum for years so, by encouraging them you sure don't do any good to the forum either.
In the end, it's your money, so your are free to do as you please with them, but please just think for a second that you may find some value in the advice of a long time forum user.
Good luck.