So you&#x27;d rather have a middleman coercively distribute funds or amass more debt, and take some of the funds in overhead, rather than be able to direct your money where it&#x27;s deserved, especially in an age when you can use the internet to set up payments and research deserving institutions? If you abdicate responsibility -- the poor are some distant entity&#x27;s problem -- you are not being virtuous. By the way, it&#x27;s not ONLY billionaires that can help with the needy. Your time is also valuable--for example, you could visit some lonely elderly people in a nursing home. If you pay it forward, people will help you out when you&#x27;re in need. Your friends and family become your &quot;social safety net.&quot;