الْبَلَاءُ refers to an affliction or trial. The narration gives hopeful encouragement toward charity; it does not logically entail that every giver will never experience illness or misfortune. Religious hope and responsible use of ordinary means should coexist.
If someone is ill, appropriate medical care, personal assistance, prayer, and charity within one’s means may all have their place. Likewise, generosity is not a reason to ignore sensible safety precautions. The central instruction is to help, hope, and turn toward Allah—not to claim control over every outcome.