Not sure whether you were scammed or not, but food for thought, I forget my cards at home often. Why? Cause they should be in my wallet or purse but aren't. Why not? Because I have ADD and I will take it out and say ok I don't want to lug my whole purse, I just want to take my card, put it in my back pocket and get what I need. Works great so far. Problem with it is, if I go home and forget about the card(always do) and take my jeans off throw them on the dirty clothes pile, the next day I go to look for my card and for the life of me can't figure out where it is, or why it's not in my wallet. So yes, that in itself is HIGHLY possible.
But other than that, I have friends that work at the local homeless shelter.(the wife works at the homeless shelter, the husband works at DHS) Our city passed a bus pass initiative a while back to give out free bus passes to people that are in need of a means to get somewhere and get services, meals, help etc. Our friends have seen time and time again that these people refuse bus passes(to the shelters that serves the meals that they say they are hungry for) and when they do get them, they try to sell/barter them for cash, drugs, alcohol.
All that to say that in our city we have programs in place to help the homeless and even get them transitioned into being able to stand on their own, but there are those that refuse it because the shelters have a no drugs policy. Not only will they not allow drugs, they won't allow someone who is on drugs to stay at the shelter(because someone on drugs can be a danger to others on many levels, especially depending on what drug it is) Now addiction is a strong and awful thing, and I know full well the strength of it. So the people that refuse the bus passes stand out on the street and beg. We know this first hand b/c our friend that works there, knows the clients well, and has see the ones that relapse into addiction, or refuse the help for their drug addiction out on the corners begging!
Here when you give to a person out on the street, you are either feeding their addiction, or lining someones pockets with money that is in addition to the money that they make at their 9-5 job.
My conscience prevents me from feeding someones addiction.
And people that already have a job that are scamming me out of my hard earned money that I am trying to feed my family with......
Our church also has a ministry to help the homeless b/c it is located right in the middle of downtown. The church supports the local shelters b/c they already have the programs in place to really help these people. To give them help to get out of addiction and into standing on their own two feet, and to help the ones that come in that don't want to stand on their own or can't due to mental illness.
If you really want to help the homeless or destitute, go in and buy the momma's formula for her that way you KNOW that is what it's being spent on. Follow the person to the gas station, let them fill up and pay for their gas. If that's not something you want to chance due to safety, be leary. Find a shelter that has a track record of sucess in addiction recovery, and home transition, and give to them.