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)
I totally didn’t understand where you were going. Thanks for clearing it up.
How about a simpler example. A guy says he is poor and hungry and asks you for a banana, which you happen to have. Turns out he doesn’t really need it, and shouldn’t be getting Tzedaka.
Did you do the right thing Halachicly? Yes.
Do you get Schar for giving Tzedaka? No.
Are you Over Ba’al Tashchis? No, since you followed what Halacha said you should be doing.
Is that “Gemilus Chessed” anyway? Maybe, I don’t know.
Will Hashem reward you for “doing the right thing”? That is a good philosophical question. My guess is that He will give Schar for following Chazal who paskened that you should give, but I can’t tell you that with certainty.
However, if the asker is a known Rasha (e.g. he smokes as a Mummar L’Tayavon), that changes the equation. Ask your LOR for practical Halacha.
I think this answers your question (as per what my opinion is). If it doesn’t, let me know.
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?
You can do what your Rov tells you to do. My Rov holds there is no Chiyuv to give, and yes, I am better off giving those few dollars for Chinuch of children or Bedek HaBayis of a shul. That is his (and I believe the Pashtus) reading of the Shulchan Aruch.
P.S. CV that I thought you meant anything personal. I hope you did not take my comments as such, and if you did, I apologize.