answer:It’s just a formal way of doing what many of us do every day. We loan money to people we know, and they pay us back when they can. It does nothing toward eliminating homelessness and poverty. My husband and I are currently assisting 10 people (all family members) who are either unemployed, on disability, or working parttime. They pay us whenever they can, either with money they earn or work credit. We fired our lawn maintenance and our pool cleaner.