Connemmara ...
I know what you mean.
People can be "struggling" without actually living in a shop doorway.
As for the cigarettes ...
I'm not a smoker, but I have a pal who smokes, and who's going through a bit of a rough patch. We're going to the pub a lot at the mo, and I stand outside with her, freezing my t!ts off, because smoking helps her feel better ... so I have every sympathy for smokers.
The difficulty with "helping people out" is not embarrassing people. I'm lucky enough to earn more than I really need (or deserve), and I have no family to drain my money, but it's still difficult to pay for other people's stuff (you don't like to suggest that "I can afford it, and you can't" do you!)
Ways around it ...
You can say that you found this really great [whatever] and got a good deal on it, so I got some for you too.
You're a really good pal. Can I take you out for a meal - it's on me.
Etc.
Her problem is ... although she will have money when she sells the house ... she won't have a house!