...but you shall open your hand to him and lend him sufficient for his need, whatever it may be.
Deuteronomy 15:8

This verse commands us to lend to people who probably will never be able to repay us. God commands charity above and beyond the tithe. It's not an option.

However, that doesn't mean anyone has the right to demand charity. An obligation to lend does not equate to an obligation to demand.