I definitely do believe in personal charity to the extent determined by the individual or family dispensing the charity. I have been very blessed in my life and practice this personal charity to the extent I am able and find opportunity. I feel that charity or compassion is most efficiently served with personal contact and with the humility and knowledge that but for the blessing of God and the favor of man, I too could be in that very same unenviable position.
This is exactly what, I believe, is meant by that scripture in James 1:27. It's a personal thing. Not delegated by a government entity.