Charity is just a commone expression of empathy. It's a normal, ordinary thing to do that invokes good feelings in most people who do some of it. It's no more unusual than eating, having sex or taking a shit.
Political or other philosophies that suggest that there is something "wrong" with participating in charity, including many or most of those discussed above, are essentially arguing that humans should deny a basic component of their humanity, and need to be dehumanized for their own good -- generally to create some kind of utopia in the mind of the proponent. All such philosophies are potentially dangerous, which often makes them very attractive to some of that other 4% who lack the capacity for empathy and often become fixated by domination as a substitute.
Who are those remaining 4%? They are generally classified as psychopaths, narcissists, borderlines and those unfortunates suffering from autism. (See Baron-Cohen, The Science of Evil). Many are harmless or pathetic, some are annoying (the ones you work with) and some are quite dangerous, especially if they are also charming. Those range from pedophiles to fraudsters to religious/cult leaders to dictators.
A philosophy that claims that kindness is immoral is a psychopath's best friend. It can justify any form of human suffering and death in the name of "progress" or utopian "morality" creating what is known as a paramoralism. A paramoralism is bastardized substitute for morality that usually involves denigration or destruction or something or somebodies. On a political level, doing it in the name of "security" or "emergency" is often the justification. Soon the paramoralism takes on a life of its own -- i.e., people start believing in it for its own sake, especially if it can be expressed in a slogan. "Charity is immoral" would make a good paramoralism slogan.
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On the individual charity front, since someone asked for a good one, we sponsor a kid and an old man in Latin America through this organization: http://www.cfcausa.org/ It has an A+ rating and 93.6% of the money goes to the individual. It's also nice to get letters and pictures from them. It warms my mirror neurons.

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One more comment -- the idea that our individual choices in this regard are going to somehow change society as a whole or justify other's laziness doesn't withstand much scrutiny. It's like the argument that "if everyone did ERE, the economy would collapse, so I have to spend to preserve society." To the extent you believe such things, you must be quite powerful in your own minds. And vain.