Firstly, chazal tell us “ain oni ella b’da’as” – poverty/poorness is merely a mindset. If you are someach b’chelko, you will instantly become wealthy.
Secondly, there are many who give tzedaakah tthrough their rabbonim – if you belong to a kehillah, speak to your rav – he can and will help you get tzeddakah b’kovod.
Thirdly, once you become a “oiver al hapsochim” -collecting on the streets, the chiyuv of tzedakah is actually DOWNGRADED to giving you a lesser amount than if you are not panhandling! As such, YOU are to blame for those who give you only a token amount, as is the halocha.
Fourthly, everyone has a tafkid in his lot in life. The malach was gozer on you to be a chochom or tiesh, onie or osheer etc, it is predestined and THAT is your shlichus and nisayon which you must be mikabel b’simcha instead of judging others. Many gedolim suffered extensive poverty and they were able to grow into our gedolim.
Finally, since you are not busy working, maybe join a kollel so that you will have zchus hatorah to enrich your life with ruchniyus.
In case you wonder: Kesef mina lon? The gashmiyus follows, by others who want the great zchus to partner with you by being the zevulunm, supporting your learning with kovod.
My $0.02 based on many years of Torah study lishmah.