How much fun would it be to, say, take a few families off of those giving trees at Christmas (the ones where the people are so down on their luck that they can't afford gifts for the kids) and just surprise them with $100 grand?
That'd be amazing. The organizations would continue to help larger numbers, but I think when some random person goes out of their way to help a stranger, no matter how small, it affects them diffently than an organization. You can shake up their perspective about people, maybe inspire them.. you wouldn't help huge numbers, but could change the lives of a few families long after the money given is gone.