The NRA probably created an offshoot because of that as defence for VISA and Mastercard over the phone : The NRA Political Victory Fund https://www.nrapvf.org/about-pvf/ but it did get accused of co-mingling funds in fact it is EXACTLY because of visa and mastercard that it got sticky for the NRA preemptive defense : https://www.theguardian.com/us-news/2015/apr/21/nra-illegal-political-spending-lobbying-pac But your idea would work. A charity can take 99% of the money and steal (squander) it, and a PAC can also steal nearly 75%, and sometimes they do : https://www.propublica.org/article/inside-game-creating-pacs-and-then-spending-their-money