They say 90-95% of the aid contribution generally ends everywhere but the actual people in need. Most go to management of those aid orgs. Somebody please explai

They say 90-95% of the aid contribution generally ends everywhere but the actual people in need. Most go to management of those aid orgs. Somebody please explain to me why the heck most of them need to have huge offices/HQ in Geneva, one of the most expensive places to live in whole world, having huge apartments/houses for free etc. If you want to help like that, first thing I would expect is to be frugal. Rest goes to bribes, corrupt local politicians/gangsters and so on. I only contribute to Amnesty International, but that's my personal choice (and they are in Geneva too...)