too rich?

[jonb]

There is no perfect system, one can try to adapt a system to run more efficiently, But if a system has built into it parameters that cannot be altered then it is limited by those parameters.
Governmental delivery has a problem that it is controlled by the class who run it. As such any system under government control will always be more responsive to the needs and/or desires of the controllers than those who are superficially supposed to benefit from that system. But at least in a democracy those in control can be held a bit accountable.
A Charitable system is just as bad if not worse, because the limiting factor is not those in receipt of its help, but those giving. But those giving have no responsibility to those they give to as such, the problem with a reliance on charitable giving is that it may deliver for appealing causes like dogs for the blind, and ill kitties, but has no facility to deal with mass underemployment, or to those who could be said to be external to the community of those giving.
It is worth noting that almost every society has had a means of delivery of aid to those in need as central pillar of state. It could be argued that some of these systems were very inefficient, but not that they were not there.