It depends, I am in the service industry I guess, so I get to see both sides of helping others. I'm a form believer in the bucket system. My wife taught me that there are bucket dippers and bucket fillers. If everyone else is dipping into your bucket and no one is filling it you will eventually end up empty. That's how I feel sometimes. I don't mind helping people, but sometimes they just take and take and take. On the other subject, my sister is like the people you talked about. Super book smart, but not very street smart.
Bucket fillers...I like that term.
I think there's definitely people who take more than they give and those who probably give too much...I think balance is required, a little of both goes a long way...and giving outwardly often means a lot comes back in some way.
There is a whole kids series on it.
https://bucketfillers101.com/publications/
My wife uses it with her students each year.