Dakota,
I've been down the road of helping someone out, and then getting 'burned'......... so many times that I should look like I've been beaten with a hot branding iron.
But, I've always tried to live by the philosophy that it's better to help than to have to be helped.
Like others have said, my conscience is clear and I can look in the mirror and know that I've always tried to do what I can for others (within my means and without hurting my family).
It's frustrating, and I do understand your rant (my very understanding wife has heard mine many times).
So, rant all you want, pal.....that's what we're here for.