Answer;
The wealthy are better fit to help the less fortunate because they have the wisdom and the resources.
Step-by-step explanation;
Carnegie provides his readers with a very distinct explanation on how to best attain and distribute wealth. In The Gospel of Wealth he explains the if the rich really want to help ones need they must make a conscious effort to make change rather than just throwing money at a group or charity.
If the money is simply given to the people who are begging they will never learn the true value of money or the hard work parallels it. Hard work pays off and the more that people see the hard work pay off the harder they will want to work or at least Carnegie alludes to this.