I'm going to refuse to help someone
Why do you want to refuse to help them?
I've heard to help always hurts in the long run
Not wanting to make a situation worse is understandable, but that's usually not the case. If you are in a position to help someone when they need it then you should. They'll appreciate the help, and it will probably make you feel good too.
I feel like I'm just going to hurt them though.
I don't think that's true at all. Helping people never hurt anyone! You should do it.