Stinginess is failing to spend on what is under category of must or on another hand failing to spend on those who do not have. It is said, poverty follows the stingy person. Why is this so? Because, - failing to spend on what is must translates to spending on pleasures. There's no satisfaction in pleasures – this is said to be punished by God. A stingy person typically takes something on loan that will cost him more in the long run because taking his saving feels like robbery. - failing to spend on those who do not have translates to not being Divinely favored. Helping the needy is helping God in physical realm of manifestation, compensation being luck.