I’m older and the problem I’ve had is that if you stop giving regularly, you probably will continue not to give. So, articles like this with the best intent just lead to people giving less and not volunteering or providing any other help. If you think giving money doesn’t help, then try a massive reduction in giving and see how that helps. Programs get cut, people get desperate and more mentally unbalanced, start doing drugs, start selling drugs, and they start killing people.