I've always had issues with organized charities because of the fact that very little money is actually used to help those in need. That's why I stopped giving money to most charities like the Red Cross. I'd rather give my money to a homeless guy on the street so I know it goes to the person and not a business. They only charities I might support would be local ones where I know the money goes to helping my town. And Steemit does seem to be a good venue for fund raising. I've seen the community help a few people now who need it and it's really neat to see.
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I seldom donate anything to large organizations anymore... and when I do, I always run it through one of those "charity watchdog" sites first. On the whole, I'm like you and stick to contributing to local things that do "direct" fundraising at events.