This is a problem I have, unless the majority have and I don't. I'll explain.
Say, you own a vintage car. Your situation is that your restored it prior to retiring early and going on a disability pension. Its you and your wife's hobby to drive every so often on a club run to a café or a camping group. This 'luxury' has costs, registration, repairs, insurance. You own a modest home with a small mortgage.
Another vintage car owner heads off alone for a trip to inland Australia. They hit a kangaroo and their car is a write off. Both the owner and his girlfriend are severely injured but will make a full recovery. They are in their early 70's. 7 years ago the owner heavily modified his car and needed an engineers certificate from an approved engineer to hand into the Govt authority so registration changes could be made and the car legally be able to be driven on the roads. But this inconvenience was not pursued. Instead the owner said to others "I'll take my chances". Subsequently no comprehensive insurance was obtained either. And in the event of an accident no TAC health cover is likely available. The owner post accident needed an air ambulance from the country to the city.
So loss of the uninsured vehicle, health costs, ambulance costs - we are talking serious money. The owner owns outright a home in inner city worth around 1.5 million dollars.
The car club immediately commences a "pass the hat around" fund drive so the owner can cover costs including repairing/replacing his vehicle.
In anger I reply to the Facebook site, first I express hope that they recover. Then I express to others why I do not believe it is right that such fund be commenced on the moral of the above. That he could sell his home and buy his own new vintage car moral by moving out of the city a couple of suburbs. That some on pensions had to acquire such certificates at great cost and insurance on vintage cars was expensive. The owner had taken the risk and dropped his own responsibilities.
There were two types of member of the club. Those that agreed with me (in the minority) and those that didn't care the issues and just wanted to collect money. The latter believes that the like of myself to be lacking compassion. My reply to that is that it isn't about compassion.
Such a dilemma has had some fallout causing me some depression and anger. Similar situations are when houses are burned in bushfires.
Being torn as to what is right can be confusing.