Maybe we shall ask the major donors whether they would split a part of the $200000 off the upper limit of this actions, pledging instead to donate $1 from that fund for every dollar that will be regularly donated per month over the next years/decades? That way, the banks wouldn't be receiving a split of the money.

Or we could ask the major donors whether one could loan from them instead, so they receive the loan interest to reward them for their pledges.