Kind or Dumb

Are people simply kind or just dumb?
We can see from people around us
Many of them are very kind
Willing to help people who are in trouble
They lend money to someone
They help someone to complete work
They help someone to carry heavy things
They fetch someone to somewhere
They help anyone they know who need a hand

But is that kind or dumb?
Well it depends on situation
If they lend money to a friend who addicted to gamble, alcohol and so on...
Obviously it is dumb...
And for sure if we lend our money to such people
We wont get the money back...
Still, there are many dumb people help such jerk
It is not kind at all...
They have to learn who is worthy to help and who are not

We have to be kind and clever at the same time
How? I think we should understand the whole story or situation
Then only we decide to help them or not...
It is not about taking risk but is about heart and brain
Sometimes your heart will feel pity to those beggar,
But now we have to use our brain to think are they worthy to be pity?
If they are, we should help, but if not then just leave it

Also we should not hope a repay for helping people
I think that we definitely should not pretend to be kind
We should treat people kind truly from our heart.