You may not be considering the right charities. Not every charity is a hand out; some are a hand up (tired old idiom not intneded). E.g. at my church we recently morphed the Benevolence Ministry beyond simply a food bank, since there are plenty of churches in the area that already do that. Now we're focusing on, as you would say, solutions. Job counseling, psychological counseling, finding temporary homes for those in need or victims of domestic abuse, and most importantly, spiritual counseling. The objective is "complete healing", not just fixing symptoms. It's because of that focus that I'm perfectly fine with donating four digits annually.