1- If you're the pastor, don't strap yourself with the burden of handling the benevolence calls and decisions. I haven't for over 20 years. That allows me to say to people who show up right about time we dismiss wanting help that they will have to call the church office and speak to the person who handles benevolence. I never promise help, but always let them know that funds are always limited, and there are a lot of people who look for help, so sometimes the answer is no. Find someone else, or form a committee and let them deal with that aspect of ministry. It isn't biblical for the pastor to do so.2- Set pre-determined limitations on who you help, for what, how much, and how often. There are those who habitually make the rounds every month to find someone to pay something for them. Good records allow you to see those for who they are and wean them off of looking to your church constantly for help. 3- Attitude is everything. A person who speaks like the guy you described sets himself up for an automatic no. In spite of what he says, it isn't the church's responsibility to support people who won't learn to live within their means. Emergency situations, unexpected needs that take them beyond their means, and other occasional needs are legit. But living off the benevolence of churches month after month is not.4- God will direct if we listen. Today I had someone walk up to me at the gas station asking for 2-3 dollars for enough gas to get home. Something inside said do it, so I did. They pulled around and got $3.76 in gas and left. No matter the story, if God doesn't say yes, its a no from me. And if God says yes, then I help.5- This fits in the these kind you always have with you category of a never ending stream of people with their hands out. I'm convinced that if someone gave a church a million dollars to give out in benevolence, the line would be longer when it was all gone than when you started. So setting in place procedures, limits. and specific people to handle it (other than the pastor) will help navigate this never ending stream of those wanting money.There are legitimate needs, and there are also people that are very good at working the system. Only God can help us navigate the waters of discerning and doing the right thing.