No Stupid Questions
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Yes, it just means you're human. I feel bad about it too, but I don't keep change in my car. I do what I can by supporting food banks and rescue missions* in my region that have homeless outreach, because its what I can do. It doesn't matter how you feel if they are lazy or druggies, if you feel something, you can at least act in response, or choose to do nothing and be hostile.
There was a point in my life I was homeless and it fucking sucked. I had to live out of a warehouse with no heating and nobody deserves that. Anything I can do to prevent that from happening to anyone else, i'll do, if its reasonable. I once took in a couple of people during the Atlanta snowout in the 2010s for a day while we figured out how to get them home.
* yes I know these are religious organizations that are no doubt trying to convert/'save' people which is why I confirm through Charity Navigator they are also fulfilling their obligations to the poor. Like Jesus would do.