Upasaka Saptha Visuddhi,
interested and the Tripple Gems respecting readers,
first of all this not a good article and statistic, think that it's properly build up on registered trade in charity which is far away from what is real giving in accordiance to Dhamma. For example, everybody knows that Swiss people are the most stingy peolpe in Europe and Chinese-people are for the most the most greedy people, yet they also have ways to give, or better trade.
If you "tank" is empty, than you might propably have already reached the Eightfold Path and it's good to focus now more on simply "Sila, Samadhi, Panna". Being already there, don't forget that you might have beome a person which is already a worthy field of merits and it's good to be not greedy and let now others prepare their way to follow. Having given all outwardly one is on the stage of becoming a real homeless.
When ever taking what is not given, taking for sensual lust, again, one needs to give to keep one self-esteem on a level that allows further paths and fruits.
Its not praiseworthy to encourage taking for the sake of giving and enjoyment with it.
Yet, on the other side, if still after sensuallity, it's best to turn also generosity into virture by giving service, best for those who are worthy to receive it, since help, assistance and service, Veyyāvacca (not translated into english yet) falls already like veneration, under the Sila part of the eightfold path.
Atma can only encourage again and again, support, help and dedicate what ever possible and insired to the Savaka Sangha, don't waste your goodness into throwing gold into the mud or clear water into the salty ocean. No money and material needs required at all and when even keeping 8 precepts, all time worthy of living on gifts of the country dedicated to the worthy Ones and trainees.
But there is also another point, shown in a nice story of a giving greedy Deva, Upasaka might know and remember:
Ajaan Lee "Goodness": There's another story, about an old woman who went to a monastery one day and saw that the walking meditation paths were dirty. She swept the paths clear of the dirt and rubbish, so that the monks could walk conveniently on the paths. She did it only this once, but she did it with an attitude of love, an attitude of conviction, an attitude of respect, and a pure state of mind. The dirt and rubbish had made her feel dispirited, so she swept it all away and set out water for washing the feet; as a result, her mind felt clean and refreshed. Soon after she returned home she had a heart attack. After she died she was reborn as a deva with a large following, a palace, divine food, and all kinds of abundant wealth. Living in her palace, she began to remember her previous life and thought to herself, "If I had done lots of merit, I'd be even richer than I am now. It'd be good to go back and do good things for just a little bit longer, so that I could get even more abundant results than what I have now.... (story further, invited to follow link)
So it might be that real good monks will not give in to your desire to make more merits not really conductive for the path but simply for this or that being and becoming.
And this is the point, Upasaka thought already about this the last days intensively, why you hang around here and waste you precious Gems, yet even possible to dedicate it there where it might bear real benefical fruits. No more demanding from a certain sociaty there is no more dept to pay.
Atma has to thing on Upasaka Lals story about his teacher. Others then most western or todays "teacher", who use the Sangha and the tripple Gems right from the beginning to accumulate depts and demerits, having learned on generosity, lived on it, then even lay down the robe and make bussiness in teaching Dhamma as a "tradition destroying" Layperson enjoying sensuality and even take alms as well, he was a lay teacher and seemingly with time his Dhamma eye really opened and then there is no other way if possible, to live the holly live, ordained and also his family followed. This is a great story and shows the way it works and worthy to follow this foodsteps, since the others, having been giving goodness and step by step making a livelihood out of that, what do they do aside of distroying their old goodness and damaging the possibility of many in doing so.
Since Upasaka is actually well versed in Dhamma, but might only have lacked of straight forward advices, he might find enough food for thoughts and my person trusts that he do not only make the best choices for him and for the benefit of all his dears around him but also that he finds the way to real happiness with ease by him self.
Where else can someone arive having followed good deeds and the words by the wise, ones merits receive one here or their like old lost good friends where ever one goes. Theis neither fear nor lack of anything for such a person.
Let mt person now share the The Analogy of the Fire-Worshipper at the end, since Danā alone at least just increases the corpses, death and suffering in this world:
The acquisition of merit now aimed at prolonging existence in the future will lead to the same fate. The burdensome tasks that one undertakes to support one’s present existence are no different either. All these efforts merely serve as fuel for the fire of death. This is to impress upon you the futility of all human efforts, however meritorious, aimed at the continuation of existence. (Read more following the link and ariving in the wisdom division of the path)
An possible extended answer, as well as possibility to ask further and discuss, can be found here, invited, given and welcome:
[Q&A] What happens when your tank is empty, and you’ve got nothing left to give?
[Note: This is a gift of Dhamma and not meant for commercial purpose or other wordily gains]