Homeless- I've never encountered a homeless person on the street the entire time I've lived here, but I'll give them my change if I have any, I hate carrying change
Friends- Depends on how much I like them. I've got a select inner group, not anyone is eligible. I expect them to pay it back in some way.
Family- Nah, fuck them, they wouldn't return the favor
The only person you should look out for is yourself.