lemayseh, they are here to help us. but it’s a chessed org. so poshut pshat is that we should only use them when we need a favor and wouldn’t call a professional for help. l’mashal: flat tire – you’re not managing very well and yourself it might take you a couple of hours , so you call your friend/brother/neighbor for help and no one’s available, so you call chaveirim. i think that’s fine.
but if you have a flood in your basement and really you’d call the plumber, but why should you spend yiddish gelt on it, so you call chaveirim….