Sorry but I get really frustrated by this lazy kind of 'well why don't you do it?' response. It just feels like you're trying to convince yourself that you're right not to care (to be clear, I have no idea whether you do or not), and implying that anyone who does, and hopes for something better, is just a hypocrite.
But that is a very uncharitable framing of their philanthropy.
The whole point, is to point out that some people have enough money to uplift hundreds of thousands out of poverty. Some have greater personal wealth than the GDP of an entire country, and that those people should either:
Give up some part of their wealth for the greater good.
Never be allowed to accumulate that much personal wealth in the first place.
The common person, like myself, doesn't have that kind of money. I cannot even afford a house for myself.
And you think they don’t?
Who are you blaming? If you're so virtuous, why don't you give away half of your money to a homeless person?