If you have a question about how to prioritize your tzedaka money, speak to your Rav.
I admit I didnt go through every single word, but I dont believe it says anywhere from siman resh mem zayin through resh nun ches anything about telling someone who asks for tzedaka that he is better off “bedachkus” since it is good for his growth in torah.
Again, this may be the am haaretz in me coming to the fore, but when the roman asked rabbi akiva why hashem created poor people, why didnt rabbi akiva answer, to facilitate their growth in torah?