MiddlePath
The key is to learn what Chessed is. A person has an obligation to do chessed, although how much is very subjective and depends on who you are and your madreigah and free time….
One thing that many people dont know is that its not a chessed to help someone who doesnt really need your help at all and can do the thing on their own but are just lazy and want someone else to do it for them or help them. It isnt a chessed to enable someone to be a user.