"Techies" believe they know better how to allocate their money than do charity workers. Why give now when they could wisely invest and give 3x as much at a later time?

Then maybe at that later time their internal generosity dries after years of toiling and smaller than expected payback.

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How do we balance this? What if an organization employs non-technical people that pay 3x as much as necessary for tech services because they don't understand what's necessary.