Here's the thing Asians help each other out
Jews help each other out
Somalis help their Qabiil
Maybe we should formalise this "help"? What could that help consist of?
It's not just financial assistance that's crucial but networking and information sharing. How do we bring these informal networks into the public arena, so that many people can make use of it?
Also charity starts at home. There is nothing wrong with helping members of your qabil.