Consider bitcoin to be more like Gold than a credit card. You can't easily spend Gold at your local store either, but Gold has enduring value. Bitcoin grows in value greater than Gold because it not only is a store of value (that resists fiat devaluation) but it also has an intrinsic value of greater future convenience than a credit card. Eventually the average person will recognize that holding fiat is a liability and will prefer to be paid with bitcoin. People acquire bitcoin now for that future.
If you want give your money to the poor then offer them fiat or a prepaid debit card. Many became poor because they preferred instant gratification over acquiring items of true value. Sometimes the more you help someone, the slower they learn.