To me, to be generous isn't a bad thing rather generosity is a good thing, but that don't mean that it should replace planning because to help someone do bring blessings and it's also a blessing, when you're trying to help people always remember that there is tomorrow, because if you don't think about it you might end up in suffering.
True. The fact that you're giving doesn't give any form of guarrantee that you're not going to lack at all and this is why givers should give with understanding or else same giver will lack and hope for others to give to him.
Giving is liking unto sowing expecially when you're giving to someone that can't afford to pay you back. It might be little but in due time, you will still reap your reward in plentitude. It might not be financially right to assume that you're not going to lack just because you are giving but nature generally has a way of rewarding those that are givers.