Whose fault is it? How do we stop it?
It is easy to blame the charities/NGOs/churches/mission agencies and their leaders and staff.
But what about us, the prospective donors?
The problem is that many people do not give systematically and regularly but do respond to "crisis" appeals.
So a solution is to not respond to these appeals but rather to start giving small amounts in a regular fashion over a sustained period of time (3+ years). Electronic banking makes this very easy.
Once the charity realises they have a certain stable income stream and their "crisis" appeals have little effect, they may accept their budget and focus on spending it wisely rather than on raising more money.
Sorry, if I am a little idealistic. You can't change everyone else. But you do have a choice as to whether you join me in this strategy.