I agree about having a duty to each other, I guess I'd describe giving money to the poor as an investment to benefit all of us (and clearly the amount paid into

I agree about having a duty to each other, I guess I'd describe giving money to the poor as an investment to benefit all of us (and clearly the amount paid into the social safety net can be bigger for the rich, who can spare it). But that is a more nebulous payback than loaning money to the rich, who can and will pay it back directly?