Matt 27 vs 28
'' They stripped off Jesus' clothes and put a scarlet robe[a] on him. ''
When Jesus was crucified, he was stripped of his garments in order to strip him of his dignity – to humiliate him.
When we clothe the naked, we are not only offering to them physical protection from the elements, but affirming their human dignity and worth and thus uplifting their souls.
Yes we might have some reasons not to give, but let's trust in God's ability to supply our reds when the time comes, and believe that we will have the money and clothes we need when we actually need them, so we can be free to give away the ones we don’t currently need to people who actually do.
And the world will surely become safer better and more prosperous.