So you'd rather have a middleman coercively distribute funds or amass more debt, and take some of the funds in overhead, rather than be able to direct your mone

So you'd rather have a middleman coercively distribute funds or amass more debt, and take some of the funds in overhead, rather than be able to direct your money where it's deserved, especially in an age when you can use the internet to set up payments and research deserving institutions? If you abdicate responsibility -- the poor are some distant entity's problem -- you are not being virtuous. By the way, it's not ONLY billionaires that can help with the needy. Your time is also valuable--for example, you could visit some lonely elderly people in a nursing home. If you pay it forward, people will help you out when you're in need. Your friends and family become your "social safety net."