My argument (which you may not believe in) is that charities, like governments, are very inefficient at spending the money donated to them effectively.
What efficiency would a charity need to have to be acceptable for you? Get a number in mind then move on to the next paragraph.
Ok, now, I submit for you consideration the possibility that you just picked a number quite inconsistent with your own behavior, that is, the other efficiencies which you accept as a matter of course. As an example, the efficiency of internal combustion engines.
