It isn't about being smart. Anyone can convince themselves of anything, eg flat earthers. >I already know that my money is more effective in the hands of a foo

It isn't about being smart. Anyone can convince themselves of anything, eg flat earthers. >I already know that my money is more effective in the hands of a food bank than giving people food myself In certain situations. Unless you're generally in favour of communism. Most people just skip out the barter entirely and give money, generally in exchange for things. It isn't clear to me why charity in general should be different.