This is a very thought provoking post, dear Naushad. It has some practicable ideas. Let me give the category of the recipients of charity.
According to the Qur'an, those who deserve charity:
9:60 (The funds that the Central Authority receives as) Alms and Charity (Sadaqaat) belong to the following categories: The poor, those who are not able to earn enough living to meet their basic needs, those whose running businesses have stalled or the ones who have lost their jobs, those who have become needy with their active lives coming to a stand-still, officials who have been appointed by the government to collect alms and charity, those who are hindered from joining the Divine System for financial reasons, to free men and women from bondage of any kind: physical slavery, unjust captivity, and oppression from any quarters. Also to those who are pressed under the load of ransom or heavy debt from an enemy, defense of the Ideological State, in the cause of God, the wayfarer who becomes needy, or travels to the believers in destitute condition, and the homeless son of the street. This is a Duty from God. He is the Knower, the Wise and His commands are based on knowledge and wisdom.
[It is important to bear in mind an almost universal misconception among Muslim scholars and the masses about Sadaqaat (alms and charity). They understand the above eight categories as pertaining to Zakaat. But Zakaat indicates the Just Economic Order where everyone in the society flourishes. The cornerstone of Zakaat is spending whatever is surplus for an individual (2:219, 6:141). In more concrete terms, that means turning the extra income voluntarily to the Central Authority who, in turn, will transform the State where everyone works according to his capacity and is paid according to his needs. The Central Authority can set up a mandatory percentage of income as taxes on its citizens which would vary according to the needs of the time, be it 2.5%, 5% or more or less. Verse 9:60 is talking about Sadaqaat (alms and charity) and not Zakaat. Sadaqaat are meant to be an interim arrangement applicable at any time until the Divine System is established and the Just Economic Order (Zakaat) is set up in the society]