Hi gavra-at-work.
This is not personal, just a matter of discussion style.
You keep circumventing points to fit a square peg in a round hole.
Additionally, you cannot clarify when you are asked to clarify and you fall back on repeating the same, original statements.
I will leave you with this thought:
Suppose you give tzedaka to someone you never thought could be a fraud.
The person hands you a letter and looks as though he is weary from collecting, and you give money and never think twice. You never question his validity.
You would never know this, but suppose that person was a fraud. Again, you would never know this.
So, in such a case, in front of Heavenly eyes, your status in that situation is only as a guy who threw out a few bucks.
IF, you have no schar, did you, chas veshalom acquire an aveira of baal tachshis regarding money because you didnt investigate properly? (Remember those collecting for hunger, you cannot investigate, as per SA)
Your role in that event was solely that you threw away money, according to how you poskin.
Anyway, your implied suggestion of not giving when you “sense” someone may not be legit, was incorrect.
If I am wrong, then tell me what you would recommend if you and I were coming out of Maariv together, and someone approached us for money, and we “sensed” he may be a fraud since he didnt exactly look like he was from that shul or from the area. Would you tell me not to give to him? To put the few bucks back in my pocket?