You are so right in that some people can be totally down and out, and never ever try to scam people, and many who have plenty enough already do it with no qualms.

I saw a story recently during the winter storm in Texas, where people had no power or water, and this convenience store had had bottled water stacked on the sidewalk outside their store. People who needed it came and took it while the store was closed - but they PAID for it by sliding money through the door! They even paid more than it would have cost had the store been open! They were desperate and needed water, and they could have very understandably just taken it, but they didn't. I saw that and said, "See how honest most people are??!" And then there are the Texas electric companies who have no qualms about charging people thousands of dollars for their crappy service during that storm...