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Cyan comments on Shut Up and Divide? - Less Wrong
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Charity is the process of taking purchasing power away from functional, creative individuals and communities, and giving it to dysfunctional, destructive individuals and communities.
Charity doesn't change the nature of the dysfunctional and destructive. It only restructures the reward system so that the dysfunctional and the destructive is rewarded, and the functional and constructive is penalized.
A person who does this willingly is, I am sad to say, stupid. You are only supposed to do this if people force you at gunpoint (taxes), and even then it's more patriotic to flee.
You should reward people for doing the right thing - providing a quality product or service - not for when they fail miserably.
I think this is where your argument goes off the rails. Sometimes, possibly even most of the time, it's true, but I doubt it's always true. For example, I have a hard time seeing how it is true of GiveWell's four top-rated charities. The implication is that before giving to charity, one should assess whether the money will be put to good use; I doubt that sentiment is controversial around here.