One gives freely, yet grows all the richer;
another withholds what he should give, and only suffers want.
(Proverbs 11:24 ESV)
On the matter of charity, there is no doubt that the best use of charity is done locally. Who betters knows our neighbors than ourselves? Who better knows the needs of each other in the congregation than the individual in that congregation? Who better is aware of those needs than the ones called to serve others in the Church?. One way we use the tithes of the people of God is by directing it to benevolence. Individual, Church, Communal giving is much more effective than our monies being distributed from some unknown, unwise hand at the top.