One needs to keep in mind that it is individuals that need help, not agreements between people, which is what groups are.

Also, maintain boundaries, and you will be harder to exploit.

Even the most cynical asshole can be exploited, by using their selfishness against them. 'The Sting' starring Paul Newman showed exactly how this can be done. Being good to folks doesn't make you an easy target, as long as you never lend what you can't part with, and maintain good sense.