You’re not wrong. I am most certainly projecting how I believe I might behave given the situation. And I do agree with the idea that once you give something, it’s not up to you to decide how it’s used. Like the article is pointing out, these biases are frighteningly common that funds will be used in negative ways (drugs/alcohol).

I am, however, trying to paint a more “accurate” picture for how most people would be charitably giving/receiving (small denominations, namely). Would that change in amount be significant in how it is then utilized.

The choice of it being given in a large sum is interesting. I recognize I have the bias of giving money to individuals with fear that it will be misused, but I do think it has to do with amount. If someone gave me $20 randomly, I’d be much more likely to impulse spend it than if I was given $1,000. With a large sum it feels more impactful to save/invest/pay bills than needing to contribute small amounts consistently.

The first thing that springs to mind is something like a “magic mirror”. I haven’t delved into it a ton, but I’m fairly certain that it would be able to hit most of your criteria.

That being said, I’d think it could be a decent enough starting point to at least find other things in the same vein.