Which gift has more benefit for the giver? What are the dangers?

There is the case where a person gives toward a monk, having a joyful perception of the good Sangha, while he gives. There is the case where a person assumes a certain monk assuming being a Noble One and gives with such a joy. There is a person who is not able to trace either a monk nor the Sangha and gives an householder, willing to think "more worthy is he". What would give the most benefits? What are the problems for an ordinary person, and a most secure way? What are the dangers of overestimating ones capacities of judgment? What it a person thinks that his ideals are those of a Noble One "I know", yet total wrong? *(Note: this is not given for trade, exchange, stacks or binding entertainment here, but as a tiny door to escape the wheel corrent and since a long caught in)*