When people say all of the top orgs have enough money, my interpretation is that I can’t really create any value at all by donating to them. That is, donor A can create 0 utils by donating to $1 to Org Z, because doing so doesn’t actually allow Org Z to scale in a meaningful way.
If I also can’t work at Org Z, then donating to Org Y looks like my next best option.
That makes sense — on a second look, I misread your first comment. Absolutely agree that the community shouldn’t have a go big or go home mentality, ie it shouldn’t be seen as impossible to do good if you can’t get an ultra selective job at one of these organizations.