I go by God's standard, "If a man will not work, he shall not eat."
Or, "No widow may be put on the list of widows [to be helped] unless she is over sixty, has been faithful to her husband and is well known for her good deeds, such as bringing up children, showing hospitality, washing the feet of the Lord’s people, helping those in trouble and devoting herself to all kinds of good deeds." (BTW, 60 back then is like 80 today) That chapter also says that if that old godly widow has family, the family should help her, not the church. That was back before there was Social Security and other programs to take care of the needy (which, seems to me, fill the role of family).
Do you know of a time Jesus ever gave money to anyone poor? I don't. I remember a time when a son of Hell, Judas, told Jesus to give money to the poor and Jesus rebuked him. (Judas wanted to keep the money for himself, but he tried to cover his wickedness with a pretense of charity.)
Maybe its you who is making up your own standards? There's nothing Christian about being a doormat or about being an enabler of immorality, sloth and other causes of poverty. Most Christians giving to charity, out of their excess, cause more harm than good, what an abominable misuse of money and is wicked self-righteousness.
Yes, Christians should be kind and help he needy. But, you need to exercise some righteous discernment about who really is deserving of your aid. And, that's not the panhandler at the street corner, unless you want to volunteer to take him to homeless shelter or to a government office to get a food debit card, which I don't recommend for your safety (but, he'd decline your offer, anyway). Its also not the big charity that will spend 90% of your donation on itself and the remaining 10% on people who don't really need it.
Our society is rich. Your time is needed more than your money. Are you going to volunteer your time?