I don't disagree about the first paragraph , but I wanted to focus on the second! I think many share your feeling. I totally understand the despair of someone in need! but we need to separate business from helping....DHF fund is money for business. Many problems on it? yes, but what you said I just answered the same in another comment hehe . The best way for this things is by community voluntary actions. Maybe some one can open an account and manage this account to receive donations, and when someone wants to apply, and the donations come from voluntary donations, not derived from DHF funds. There isn't a need for a DHF proposal for that! Just a trustable person or group of people managing an account probably there are already some of these accounts around, we just don't know about them.