I think your skepticism doesn't go far enough. The fact that charity organizations are given holy status and exempted from skepticism actually gives greedy individuals more incentive to use them as a cover for money-grabbing schemes. The same reason Vatican is also a hotspot of corruption and crime.

> To insist on principle without looking at how things are seems to be a disingenuous armchair philosophizing, rather than a desire to do any good.

To insist that greed is not a powerful human motivator, much more powerful than altruism, is being naive.