Whereas what they're actually pointing out to you is that your 'system' is based on so many ifs, buts, maybes and false assumptions/premises that it's totally unrealistic.
As for your convenient excuse about charitable giving, if you did what I suggested it'd be far from a meaningless gesture to those you offered help to wouldn't it? For those people it could be the difference between eating and not eating, heating and not heating couldn't it? For someone who's apparently fairly well off you don't seem very keen to back up your rhetoric with action or pounds from your own pocket. Rather than help some people right now from your own pocket you'd rather help none and claim charitable giving is just a con. Odd that...
