No need to be THAT hard on yourself, I think all of us ( yes even those who call others stupid and losers ) have had moments of gullibility in their lives, it happens, but I do agree, people have to STOP and THINK, especially when the request exceeds or is equal to their monthly income. Unfortunatly, desparate people do desparate things, and the overly kind hearted prone to the sob stories of others, well they can't see through their tears, like I pointed out before, these con-artists are GOOD AT WHAT THEY DO! How else would they be able to convince a person to empty their savings .
My own story, and I didn't get bilked out of much, a woman and child on a street corner beside their car, that looked as though it contained all their worldly belongings, begging, well I gave her ten dollars and walked away feeling pretty good about that ( I fall under the kind hearted category ), Anyway, imagine my surprise when on the next block I saw the same woman in the liquor store purchasing a bottle of booze, the child strapped into the car, from then on I gave directly to the charities that HELP people in need, not to them, am I bitter, not really, but wiser and ten bucks poorer.