My client tell me the other day that she used to give to a lot of charities and purchase toys for low income families all through Christmas time. She said she believed in helping others; though she stopped doing this last year because she feels that it feeds into the corrupt system of welfare. She said donating to charities conflicts with her values that welfare programs must not exist because people abuse them. What would you say regarding her thought process and whether this is a selfish point of view?