This has always been a problem and we know the money going to Africa will be heavily diluted by corruption with only a small percentage reaching it's destination. What is wrong with not sending any money overseas making sure your people come first and if there is none left over to send to other countries so what.
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If I was broke and massively in credit-card debt I wouldn't be giving money to friends, or to people that I don't know. Government does it all the time though.