Not sure I agree, my understanding of most charities is that they aren't unconditional, and they don't transfer cash, but other things instead.

That said, charity in the broader sense of "giving people stuff" would apply, but there are affective (i.e. psychological, emotional, and social) issues with this. Instead, mutuality and mutual aid focus on building relationships between people where they both provide acknowledged value to each other. This solves issues such as saviour/unworthiness complex, by binding people together in relationships where they support each other, which are more durable in the long term.

Why overcomplicate it? It’s money gifted for a good cause — charity.

I disagree. Americans think that this is charity for which you should show gratefulness and humility but in my country a social safety net is a right that is given to each citizen.