Certain things are so elementary and simple that explanations would be wasted. Those than understand already do. Those that can’t understand won’t be helped. I am sorry if you can’t figure out the “dai machsoro” of the infertile couple. There is not even a shred of logic in your moshol of the pool. You can cool off in numerous ways. There is no chazal that considers your inability to cool off comparable to death.
Not only do some executives of charities derive huge salaries, but so do some of the fund raisers themselves. The average meshulach can take 50% of the donation as his pay. That is why they work so hard to obtain larger donations. (Not a bad incentive.) Some drivers that shuttle meshulachim around some frum neighborhoods are also greedy and take a percentage of the till. It is true that not every dollar given to a fundraiser reaches its target; some goes to pay the collector and the expenses of the process. We can (and sometimes should) examine that to see if it is excessive.