DY
Its one thing if a family member foots the bill, Sort of like a parent paying the childs rent or the parent or sibling paying the lexus lease, that is a little different. A parent may even go into debt to pay their childrens mortgage or rent
I am talking about there is a finite amount of money available for Tzadekah. If you add up all the potential Tzadekah money available from all orthodox jews and also add in money from sympathetic non-religious jews you will get a number. Whatever that number is I dont know, If you go going to ask people to pay peoples mortgages on houses on Bedford Ave, another Tzadekah is not going to get the money. Perhaps a Yeshiva will not get that donation to pay a rebbe. perhaps a Shul will not be able to make a repair. Perhaps a Kiruv organization will not be able to run an event to attract people. Perhaps Tomche Shabbos will not be able to feed a family on a shabbos. Etc