DY and GAW, what you’re saying is completely illogical. When you give out large sums of money in small increments to different people, that is not the same as giving a large amount of money to one person or cause, and it wouldn’t be reasonable to do research for each individual person.
I don’t care about the exact definition of my terminology. It takes a uniquely bad person to think that he’s being good by refusing to give charity to a non-Jew. It doesn’t matter to me if you find some mussar sefer who says that naval bir’shus haTorah is a specific halachic term of art – that’s the same type of self serving textualism that would lead someone to claim that giving charity to a non-Jew is a bad thing.