I've been wrestling with whether donating to large charities actually does more harm than good, and I'm starting to think the ethical choice isn't always clear-cut. A few months ago, I gave to a major disaster relief fund, but later found out only a fraction reached the victims due to overhead and bureaucracy. That made me wonder if direct giving to local communities or smaller orgs might be more ethical, even if it's less convenient. What do you think—should we prioritize efficiency in giving, or is the act itself what matters most?