I think it's legally dangerous. If you know what the money is being used for, then you're encouraging suicide. If the police are interested enough, they can take your computer and figure out you've been on this site and there's evidence in this post that you were aware of what you were doing. If they're on this site and the police take their computer and you were PMing with them, then the police can get a warrant to get your IP address.
Also, they may say they're an adult, but it's a huge red flag that they're living with their parents and don't have any money. It's not worth the risk.
Basically, you're inviting a lot of drama into your life by getting directly involved. Better to let others figure out how to work things out for themselves. If they can't, that's their problem; if you do it for them, it becomes your problem.