Very true[1] but I would suggest that the Red Cross is unusually unreliable (I always wince when I see people earnestly recommending them, there are hundreds of NGOs which are more efficient and transparent).

1: https://www.npr.org/2015/06/03/411524156/in-search-of-the-re...

You're right that it should be a consideration, but Red Cross is an egregious example. Any human organization is inefficient and leaky, though. That doesn't mean we have a significantly better way to fix unprofitable problems than the types of orgs you mentioned.