When talking about indiscriminate charity, Carnegie talks about people's habit of helping people financially who don't want to help themselves. This sentence can marry a feeling of revolt, as we tend to think that no kind of help is indiscriminate.
For Carnegie, philanthropy is serious and should be used to promote social good. He does not believe that giving money to homeless people, for example, is correct, as these people do not want to help themselves and will use this money to feed their addictions.
For him, this is indiscriminate help, which stimulates the problem more than combats it.
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