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I would definately help out a friend. Here in Wisconsin we have some good programs and I pointed a friend in the right direction to get signed up for state medical care for their children. Since I'm not in a place to help much. They still get the care they need. Health is pretty important on my list.
Would I accept it? I have and would but I would do whatever I can to pay them back at least in other ways. For example: When hubby was laid up and unable to work, a friend of our's helped us out monetarily. He's single and lives alone. He knows he is welcome ANY time to eat at our place and get a good hot meal (since he doesn't cook much). Also we help him out in other ways. If he ever needs a ride because his car is down, when he moves or other things. We make sure not to forget our friend if he ever needs help. To me it's not a charity thing at all it's "responsible friendship".
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"Always learn the rules so that you can break them properly." Dalai Lama
My Karma just ran over your Dogma. 
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