I absolutely cannot understand why anybody would ever throw money at some unverified sob story...

I do; and I do it because I'm not completely cynical about the general public. I actually think most people are telling the truth. I could be very wrong, but nothing in my life has indicated as such. I have no idea what that indication would look like, but my default is to believe people unless I have a reason not to.

If I hear about somebody's house burning down on the local news, I might chip in a few dollars so that they can get their kids new clothes or whatever. I hear the same story, on reddit, 4chan, HN, whatever, from the alleged victim, and they are coming to me with this story and a collection jar? I'm sorry, I am going to require at least some local news confirmation, and it seems like even that isn't good enough with some of these scams.

And don't even get me started on how in most of these cases the jump from "here is my sob story" to "and that is why I need money" is completely missing. The connection there is clear when a house burns down, but "I threw something out, then later learned it was worth a lot"? "I am a server who was insulted/was not tipped"? Uhuh. If I see a donation cup, and no connection between "sob story"->"now I need lots of money", I don't think that there is any rational conclusion besides "it's a scam".