DY and GAW, what you’re saying is completely illogical. When you give out large sums of money in small increments to different people, that is not the same as giving a large amount of money to one person or cause, and it wouldn’t be reasonable to do research for each individual person.
“When you give out large sums of money in small increments”. I assume you mean giving small amounts many times? Perhaps that is not what you should be doing. It certainly is not an excuse to not be Bodek as per Halacha.