I'll just say this...
I spent the majority of the first 3 decades of my career working in commercial and consumer banking and finance. I then spent nearly a decade working for not for profits with challenged adults, substance abuse, DV victims and the homeless. My wife has spent her entire career working with folks with those issues.
I have never once been stopped by a former client from the finance industry and thanked for my wise investment advice that allowed them to retire early or that great loan rate that allowed them to buy their dream home or the line of credit that kept their small business afloat. While I know I helped hundreds, if not thousands, of people achieve their financial goals over the years there was no direct validation that I actually made a difference.
OTOH, I am often reminded of the work I did and that my wife continues to do in the social services sector. We often bump into folks who we assisted, who stop us and update us on their lives and how far they've come. These are members of our community who finally hit their bottom, reached out for help and got their lives back on track. They have a pride and gratitude born from achieving their goals in spite of struggle and setbacks, whether self inflicted or no fault of their own. Most of the folks we assisted over the years were still falling, not ready or able to address the root causes of their plight. The ones who were worked the programs offered and got it done. Either way even those who were still on the way down found a respite. however brief, from the struggles they faced.
So the next time you encounter someone and are moved to help, do so. Yeah, the majority are just there to get enough money to self medicate, I won't argue otherwise. Just be assured that no kindness is too small. No interpersonal interaction too brief. Humanize those who we often, through our own coping mechanism, would dehumanize. Even the simplest of actions you take could be the impetus or catalyst towards a meaningful change in a person's life.