BT Guy:
Exactly. As long as you follow SA, you can’t go wrong.
I’m not sure what I “twisted”. You said by giving to someone who turns out to be a fraud you get Schar. The Gemorah says you don’t. That has nothing to do with whether you should or should not give him/her. For that there are Halachos in SA (as you brought one. There are others as well). If you have a question, ask your LOR, not me.