We're starting to veer off-topic, but suffice to say I'm not talking about determining if
we think someone is "worthy" or "deserving" of our assistance. I'm talking about instances where it might be more of a hindrance than a help if we "help" someone that God is dealing with. IOW, I'm talking about being led by the Spirit, not making a personal judgment call in what I think is the best way to "help" someone.
I know it's an unpopular view, but
sometimes the best thing we can do to help someone is to do nothing and let them feel the consequences of their actions.
To tie this all back to the OP, this requires more than scriptural knowledge. It requires an experiential relationship with our Father so that we know when to "help" and when to stop.
Yeah, it's really about being able to hear the voice of the Lord.
When I was young in the Lord, someone close to me asked for some money. I was more than willing to give and said OK. Then I found myself in trouble. I became very alarmed in my spirit, and nothing I did would stop it. I grabbed my bible, looked up the scripture where Jesus said to give to those who ask, and it would bring peace, but still that alarm would come back in spades. I really did not know what was going on. I was inexperienced in the Lord, and was having a major problem. In my spirit, I was getting a very strong NO, to not give anything to this person. I didn't yet understand the leading of the Lord.
Long story short, I gave the money, but realized that I had made a mistake shortly afterward. See, God's spirit in me had changed my heart and I was willing to give, but didn't yet have experience in the Spirit to understand the leading of His spirit.
Why did God warn me not to give, when the word, the words in RED for goodness sake, said to give?
The thing is, God knows things we don't. He wanted me to remain pure, and this person, I'm afraid, had plans for this money that He did not want me to participate in. I wish I could say I was faithful, but I missed it. The best I can say is it was a learning experience, one that cost me, but it could have been worse.
We are to study the word of God and walk in the principles of the word of God. In this case, my heart had to be free of covetousness, I had to be willing to give to those who asked and not hold on to my material possessions, but give freely as Jesus teaches. The thing is, when our hearts are right in this way, God is faithful to lead us into all truth and keep us from being fools. He was faithful to me, to lead me because I was walking in the revealed word of God, willing to obey Him. Trouble was, I was unversed in the move of the spirit, and learned a hard and somewhat expensive lesson. Fortunately, I at least was able to learn something from my failure. We do learn from experience.
The thing I learned was that if I walk in the principles of the word of God, He is faithful to lead me when the circumstances require more revelation than that. No one who trusts in Him will be put to shame.