I agree. I make it a policy never to give funds to someone who makes more than I do. People who do otherwise are brainwashed. That being said, I've never lack for a place to donate to those who have less. The question is where best to send what little funds I have.
Tithing is a gift from God. I always feel that God is prying the money out of my hands for my own good.
Good observation. I believe that tithing is less about the benefit to the recipient than about our being willing to let go. Not only to let go of some of our money, but to let go of the illusion of control.
Any use of money is a matter of prioritizing. When people say, "I can't afford to give," they generally mean, "I've chosen to use my money other ways." The same when they say, "I couldn't afford more than X children": it means, "I chose other priorities."