So I'm not sure that it would be any different if the Zebra household had millions in the bank... we wouldn't be more inclined to give to charities that we aren't interested in just because we would have more money to give.
It would be different.
I am working on a hypothetical basis of £10BN assets as I wrote in my post above.
Different because... I have to make an assumption here, currently you are still working, though are well above the poverty line?
So you give a little here and there, but know that it is not going to be more than that.
But if you were extremely rich, then they way charities would approach you changes.
You would be targeted by high level fundraisers....people asking you to fund museums and university scholarships, and scientific research.
You would have no personal concerns about going broke...so you would be concerned with philanthropy and your legacy, the good name of your family and your descendants.
You would likely be troubled by how much to give....would you feel guilt if you gave only 1 million pounds and kept billions in the bank?
Or woudl you feel guilt if you gave billiosn and kept just one million...enough for you to live on...but nto enough to fudn houses for your children...not in LOndon anyway.
And there would be so many begging letters, horrible tragic stories of people in trouble who need expensive life saving medical treatment only available in the USA etc... and these letters would arrive every day.
You cannot subject your emotions to that every day without suffering damage, you cannot feel guilt on a daily basis and be a well functioning human.
So you would have to set a budget, and put a system in place to manage the personal, institutional and organisational charity requests.