If they're giving away money effectively because they're guilty that seems fine. While they could give away more if they sold that loft, the important thing is

If they're giving away money effectively because they're guilty that seems fine. While they could give away more if they sold that loft, the important thing is that they are giving away most of the trust. There needs to be a story they tell themselves where giving makes sense for them. If keeping the loft is part of that story, then it seems better to focus persuasion efforts on the people who aren't giving at all.