> Give small loans to your extended family and friends instead. Middle ground - both are very valid and need this. So agreed but up to a point. This is an exte

> Give small loans to your extended family and friends instead. Middle ground - both are very valid and need this. So agreed but up to a point. This is an extension of the "save a large sinking boat of poor people or save a sinking boat of a few first-world college students". There's valid arguments for either so just do what you believe to be best.