Hmmm... I don't see it as a charity. Campaign creators create their campaigns and offer their services. People in their community can buy those services. Let's say a person who has a full-time job, a person you know, wants to raise $1000 to help pay her rent and offers babysitting services in return. You need this service and instead of searching for someone you don't know, you hire that person. At the same time, you get a job done and you know you did a good things and helped her pay her rent.