I think the explanation is even simpler: People don't like adding yet another monthly expense unless it's truly necessary.
Even for financially comfortable people, a one-off donation to a charity is easier to reason about than taking the same amount of money and dividing it into 24 bi-weekly payments. Then I'd have to remember where to get the end of year receipt for those payments when I do my taxes. I'd also burden myself with the decision of when to cancel the donations, which is something the charity probably makes as difficult as possible to increase their retention numbers. If I did decide to cancel, I'd have to invest potentially an hour or more to track down the information, maybe call someone, deal with their retention pitch over the phone, and then remember to check in a few weeks to confirm it actually ended.
It's all a lot of hassle that I really just don't want or need. Far easier to just donate once at donation time and then file the receipt in my tax folder. I can always decide to donate again next year.
I already have probably 20 or more monthly recurring payments from my mortgage to all of the insurance payments and internet, gas, water, electric, NetFlix, Hulu, Amazon Prime, all of the software services I use and so on. Running a business can easily add 10-30 more monthly bills. I really, really don't want to add anything else to that list if I can avoid it.
Even for financially comfortable people, a one-off donation to a charity is easier to reason about than taking the same amount of money and dividing it into 24 bi-weekly payments. Then I'd have to remember where to get the end of year receipt for those payments when I do my taxes. I'd also burden myself with the decision of when to cancel the donations, which is something the charity probably makes as difficult as possible to increase their retention numbers. If I did decide to cancel, I'd have to invest potentially an hour or more to track down the information, maybe call someone, deal with their retention pitch over the phone, and then remember to check in a few weeks to confirm it actually ended.
It's all a lot of hassle that I really just don't want or need. Far easier to just donate once at donation time and then file the receipt in my tax folder. I can always decide to donate again next year.
I already have probably 20 or more monthly recurring payments from my mortgage to all of the insurance payments and internet, gas, water, electric, NetFlix, Hulu, Amazon Prime, all of the software services I use and so on. Running a business can easily add 10-30 more monthly bills. I really, really don't want to add anything else to that list if I can avoid it.