here you’d get more bang for your buck. it depends on the amount of kids you have – but say you have 8 kids, they’d collect $800,000, and it would cost you max $330 a year. And you’d be able to pay for all of it with maaser which would also help other people every month.
And they regularly collect $250,000 every month, after all, they have tens of thousands of members already – so $28 x 10,000. But I agree completely with you that people should be more pre-emptive and proactive in their attitudes.