Why is his point moot?
His point is in fact the main point to counteract your argument. Nowhere does it say that it’s up to us decide that someone should be poor for his benefit. That’s only up to the Ribono Shel Olam.
A person receives great schar if he’s insulted without responding (?????? ????? ??????). Should I therefore go around insulting people to give them the opportunity? (I know you could make a technical differentiation between shev v’al ta’aseh and kum va’aseh, but the hashkafah is correct). Penina was wrong, and punished, even though she was l’shem shomayim. And, if you think anyone withholds from Adopt a Kollel l’shem shomayim, I’ll throw in the Verrazano at half price.