Nick, I will say this once more.
I don't care how much it costs to "run" the charity, and neither do the people who write the checks.
Is it naive to think 100% of your money goes to the people it is being solicited for? Sure!
Is it reasonable to think that a very high percentage of it goes to those people? I would have to say, yes.
Charities are not perceived as a "business", no matter how much you think they should be, and they certainly aren't, "free enterprise".
For anyone to think a 99% "fee" is A-OK, quite frankly......they need to get outta fantasyland.
The next time I want to golf, I will spend $100 on the round, and give two dollars to a homeless person under the overpass. That way, I will get some entertainment value for my hundy, and the homeless guy will get twice as much as he would have gotten if I went through the charity. A pure win/win situation for everyone! I can slake my needs for personal growth as a Republican, and be a good Democrat, by helping the less fortunate, while "sticking it to the man"!
Of course, the head of the charity will have to have one less after dinner drink at the country club he belongs to this week.