And some of requirements are quite lofty, at least for Disney races.I have not and haven’t really considered it. I probably would be able to raise the money but just don’t feel I’m ready to commit to that yet.
I have not. I know that some charities offer personalized coaching and running swag. I don't think I ever will because of the fundraising requirements. Many charities have a minimum amount to be raised which is usually much greater than the race registration by itself. I know someone who ran a race for charity. When she failed to meet the fundraising amount, the charity charged her the difference between what she had raised and the required minimum.
Choosing not to run for a charity does not make one a terrible person. Many people feel uncomfortable asking others for money even if it's for a wonderful cause. That doesn't make them terrible. If you love the cause of a charity, then support it in whatever way you can. That may not always mean financially. You can give of your time as well. And there are many worthy causes that need your donations that may not be able to sponsor runners in a race.
I tried to raise $500 for for Running for Rescues last year for one of my races, and I only managed to get $350. From myself, my parents, and my boss. Maybe my SO, too, I can't remember if he donated. 
