The purpose of Cheesed is to do a kindness for the person, enabling someone to be more lazy or to become a user is not a chessed and in fact is a non chessed to the person. It is not beneficial for the person. So you haven’t done a chessed and in fact you have been cruel to the person and made your own middos worse.
I understand that Chessed is to help someone but isn’t a part of Chessed about improving ones middos? Even if they don’t actually need the help, why would I be “harming” (and not improving) my own middos by helping?