Passing the Plate?

A small minority of American Christians give most of the total donated. Twenty percent of all Christians give 86.4 percent of the total. The most generous five percent give well over half (59.6 percent) of all contributions. But higher-income American Christians give less as a percentage of household income than poorer American Christians. In the course of the 20th century, as our personal disposable income quadrupled, the percentage donated by American Christians actually declined.

In Chapter 3, the authors evaluate nine frequently offered hypotheses to explain this modest giving. They conclude that five have substantial validity: 1) many Christians have not seriously wrestled with their own tradition's theological teaching on giving; 2) many churches simply accept low expectations for giving and therefore provide little communal support for generosity; 3) some Christians question the reliability of the churches and organizations requesting funds; 4) because of near total privatization and lack of accountability in the area of charitable giving, there are no real consequences for stinginess; 5) most Christians give on an occasional basis when they feel like it, rather than in a disciplined, planned, structured way.

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http://www.christianitytoday.com/bc/2008/006/5.11.html