The 501c3 middleman can be a tremendous hindrance to blessing hurting people one-on-one. Personal ministry requires personal finance. For the most part, institutions aren't in touch with those within your spheres of influence. You are!
Money is a great way to show Love and Hospitality, but it's hard for many to bless their neighbors when they are living paycheck-to-paycheck and the religious system is sucking their "expendable" income dry. Wealthy people have "neighbors" (see Luke 10:25-37) that the middleman doesn't serve well either.
I'll save the blog entry about people constantly "sowing their best seed" under fear, guilt, compulsion, and the guise of a guaranteed "100-fold return" for another day.
The New Testament does not teach that the institution is "The Best Ground for your Best Seed", nor does it teach that a building is "The House of God", or that the "tithe" for an expired Levitical Priesthood belongs to a special, modern class of holy men and the upkeep of holy buildings.
Tithes are mentioned by Jesus only once (Matthew 23:23 & Luke 11:42- Same Story), while He was addressing people who were still functioning under the Old Covenant (before the cross), and by Paul in Hebrews 7...as he was speaking of an old system which was passing away, and would be completely non-existent once the Romans destroyed Jerusalem and Herod's Temple in 70 A.D.. In his epistles, Paul encouraged Loving, Spirit-led, generous giving, but never "tithing" of fruits, vegetables, grain, wine, money, or anything else.
Added Note: This blog entry is meant to promote GENEROSITY and Loving our neighbors. Stinginess and selfishness most certainly aren't Christ-like traits. I'm also not saying that tax-deductible donations are inherently evil...or anything like that. We give to 501c3s that are reaching people in places where we can't go. They have their place, but they're most definitely not the automatic, Biblical default setting.
Peace & Love!