In this day and age, and with everything that has happened here, I can't say that I blame you for feeling like that. The only one we can truly trust in is God and I place my faith in Him that what we give through the church will find those who need it.
I remember when United Way was caught up in a scandal two or three decades ago, with the CEO reported to have been taking the Concord Jet to Europe, allegedly on United Way business, claiming that the only way to get to all his appointments, he needed the faster travel option (which is just another way of saying that there's no way in heck that I'm ever going to ride coach). Every "expenditure" within professionally managed charities is a nullification of many people's giving.
So, when it's said that they can do more good than individuals, where would they be without all those individuals willing to give? They would have to get gainful employment, actually being productive. Were those individuals out giving their alms on the streets, their giving would be 100% in the hands of those in need rather than feeding the careers and extravagant travel of the executive class. Now, I realize that's not always the case, so please keep that in mind.
I know a man who runs a small storefront charity, selling cloths and some foods to people in need, and they too are making their living off the proceeds of the donations. Many would argue that they are worthy of the take in order to continue, such as Goodwill and others, but when I look at organizations like Goodwill, which has grown in leaps and bounds, with VERY fancy facilities rivaling some retailers, and seeing that they really don't provide anything to the poor other than to sell goods to them at a reduced price...uhhh, no! No thanks!
When I give bags of groceries, tanks of gas, pay some bills for those in need, they are not having to shell out anything from their pockets. THAT is genuine giving. There's no middle man standing there, pocketing 30 to 80% of what I hand over to the needy, leaving them with only the leftover crumbs that fall from the table.
It's one thing to provide for the itinerant minister of the Gospel who blessed us with their labors and itinerant travel, but this idea of professional charities and clergy class ministry professions, that's unknown to the scriptures. Knowing the Gospel and sharing it with others as mature followers of Christ, we are ourselves now fellow laborers in the Gospel with the hirelings who do it as a paid profession within the institutional model. I'm not saying the institutional model is wrong in and of itself. Ministry is the responsibility of us all, not just the clergy class of the institutional model. Giving my primary giving, back in the day, through the institutional model is no different, which was given that only the leftovers were generally utilized for the meeting of genuine needs.
Just my less than two cents worth...since it was filtered through a middle man...
MM