Donating money is different from lending money. I've been "ripped off" by donating money to dodgy outfits and shady individuals in the past and got myself all bent out of shape raging about it. In the end, I came to the conclusion that, in the act of donation, I am releasing the money and "letting go" of any interest I have in its eventual use. I'm not saying I throw money away, far from it. I look carefully at who is asking for the money and why. But, based on the information available at the time, once I make my decision to donate - my relationship with the money ends. My relationship with person or the cause doesn't end and any subsequent appeals for money will be weighed up at that time with, presumably, additional information as to how my donation was used. I will ,make a fresh decision whether or not I want to let any additional money go at that time.
I gave money to one relatively well-known Kiwi-born Ex. Now, he may or may not have blown it all on sex, drugs and rock'n'roll, but I don't care. I donated it to him. The karmic consequences of what he did with it rests with him, not me. Our relationship (although entirely virtual) has changed, but not my relationship to the money I donated. The same thing applies with what few pennies I can gather for Emma. They are her's to spend as she pleases because the money no longer belongs to me and I have no say in how it is spent. It is a gift.