I follow everything you said, right up to that last sentence.
Who is going to keep those that "truly" need it being the only ones to get it? Someone will actually have to look at each person and make that determination. Charities and churches are not the best at doing that , plus they don't have the manpower (and if they have to hire more that is less going to the people that need it)
I know a woman that has 5 ex-husbands and 3 children (all grown now, but this is back when they were at home). She decided to get a job and needed her car in running order. She called each one of her exes and asked them for something for the car--tires, help with insurance, tag, air filter, whatever but 5 different things. THEN she went to a local church and gave them the same story and they, in good faith, helped her by giving her a
walmart card to get the tires. The church had no way of knowing she didn't need those tires. The next time she decided to try a scam, she just called a different church.
My brother and I sat down one day and called area churches to warn them of this woman. My point is, they had no way to make sure she was really in need and they won't in your scenario either.
I would be really afraid that this would cause a major hardship for churches and a lot of charities.
Besides, someone mentioned the good will of people. Its out there, I have seen it in my own church. But we send a mission group to Peru each year and this year one went to El Salvador. We do holiday meals for those in needs and adopt many families for Christmas. Right now we are collecting shoes for people in Peru. Our youth goes on a mission trip each year, right here in the US--after Katrina, helping build houses on the MS coast, another year going where floods had devasted an area to help rebuild--just wherever they are needed. If our church has to help replace the help people get from government assistance, we couldn't continue the things we do.