Has almost every charity out there become a scam?

In San Francisco, they don't know where they put all that COVID relief money they solicited from the public

https://www.americanthinker.com/blog/2023/07/in_san_francisco_they_dont_know_where_they_put_all_that_covid_relief_money_they_solicited_from_the_public.html

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Has almost every charity out there become a scam?

Where does the money actually go and are the people running this stuff ever held accountable for their corruption and wrongdoing?