The problem is, the Church, on a macro scale, has largely abandoned the notion that they will look after you in hard times. We've had some relatively hard time

The problem is, the Church, on a macro scale, has largely abandoned the notion that they will look after you in hard times. We've had some relatively hard times in this country in my lifetime, and not once have I seen the Mormon Church step up in any noticeable* way, even to help tithing members. I define "noticeable" as a measure of the Church's proportional amount of donations relative to its income or supposed amount of cash reserves. At the same time, the Mormon Church spent 3.6 million dollars (6.7 million in today's dollars) in 2000 to lobby the state of California against LGBTQ protections. While that is clearly pennies (or less) for a fund that supposedly is over $100 billion, the point still stands. If the Mormon Church stepped up during COVID, any Hurricane/Wildfire/Storm or similar times of need to the tune of tens or hundreds of millions of dollars, and a lot of that went to non-members, the Church would be shouting it from the rooftops "look how charitable we are! we help non-tithing members! we help the outside community!" but that didn't happen, did it?