No, Your wrong.
Scripture says we love because he loved us first. A person who has not been adopted by the love of God has no capacity to love Sure, they can give to the poor. But it is not out of Godly love, there is no capacity for Godly love, all it is is self effort. thus according to God, filthy rags, That is what God thinks of our righteousness. Or did you miss that memo?
Where as a Believer, adopted child of God, when he gives to the poor out of the abundance God gave them, it is out of Love of God, Because it was empowered by God.
yet a believer can also do it not out of love, and to him it is sin, not the love of God. and further proof that we need Gods forgiveness and grace to next time learn to do it out of love, not selfish ambition. which we lie to ourselves, and call it love.