Ok. You're welcome to think that telling people in debt to increase their giving is bad advice. If you're $50k into random consumer debt, you've obviously got

Ok. You're welcome to think that telling people in debt to increase their giving is bad advice. If you're $50k into random consumer debt, you've obviously got a problem with your approach to money and finances, and at that point, I very much do think increasing your giving is good advice, if it addresses the root causes of that. You're certainly welcome to disagree there.