Giving material goods is one form of generosity, but one can extend an attitude of generosity into all one's behavior. Being kind, attentive, and honest in dealing with others, offering praise where it is due, giving comfort and advice where they are needed, and simply sharing one's time with someone - all these are forms of generosity, and they do not require any particular level of material wealth.
We are all, by nature, clearly oriented toward the basic human values of love and compassion. We all prefer the love of others to their hatred. We all prefer others’ generosity to meanness. And who is there among us who does not prefer tolerance, respect and forgiveness of our failings to bigotry, disrespect, and resentment?
We can hardly call a beggar an obstacle to generosity.