Tough love may ask people to repent of their unbiblical financial practices. New Hope has a video series on gaining financial freedom. This excellence video is deals with root issues around money. I've noticed that people in hardship seldom take the time to learn from this video how they can move from hardship into God's abundance. Often there is a strong link between hardship and unteachableness.
Tough love determines when the person is ready to follow Biblical principles of finance.
Often the church needs to make an initial gift so that the person in hardship can hear and see what the church is trying to teach. Tough love knows when to apply a Band-Aid and when reconstructive surgery is needed. The consistent application of Biblical principles of finance will produce abundance sufficient for a life time. It believes that the church is the storehouse and expect each person to bring their tithes and offering to the church. The function of a store house is to provide in times of hardship.