2. This is a little harder for me to endorse. Here are some ways I can see it being implemented:
a) Factions aren't tied to a charity. They're competing for the money, and then they get to vote on the charity at the end of the competition period. As a competitor, I'm not trying to take money away from ACLU (or any other charity). I'm trying to take it away from the Red Sox.
b) Factions are tied to a charity, and both charities are positive (e.g. one supporting cancer research, one supporting HIV research). This is OK I guess, but if the money is going to a great cause either way, I might feel guilty for trying to hoard it for my faction.
c) Factions are tied to a charity, and I hate one of the charities (e.g. my faction supports cancer research, the other faction supports the NRA). This is bad. Don't do this.