I am not going to argue that it isn't BETTER to have your heart invested in a cause you believe in, there are going to be a lot of people who just don't want to spend that time or effort, for whatever reason. In addition, even if a person has the time and effort available, not everyone in the world is capable of effectively researching and vetting a charity; in fact, I think most people will probably not have that ability. It makes sense to choose to place that decision making responsibility to a group who has the proper training, time, and access to vet a charity properly.