Actually, it does. Two groups in the US that practice this are the Amish and Mormons.
EXCELLENT observation! Both groups are well know for their charity! Others are the Shriners, various lodges such as the Free Masons, quite a few corporations organizing charitable contributions, foundations set up by various rich people, etc.
Who helped the people of Lahaina, HI after the fire destroyed a third of the town? It wasn't the federal government!
It was primarily the Mormons, hotel corporations providing charitable housing for displaced residents, etc. It was Hawaiians helping other Hawaiians.
And the town is being rebuilt by themselves and people are moving into their restored housing again.
Lahaina is recovering.
Who helped the people of Northern Carolina after flooding destoyed access to many towns? Private charity. Mormons and Amish showed up and literally rebuilt those towns and access to them and provided for the needs of those people suddenly isolated.
Government is a crutch. It lets people by lazy.
It's worse than that! Government pays for this 'charity' by making you pay by force for it (taxes, inflation, high debt). That isn't charity. It's communism.
Your argument is that personal charity doesn't work as well in the presence of government charity. Well, without an example to show what happens in a relatively affluent nation where there isn't a lot of government charity you've got no argument.
Government isn't charity. Charity is the voluntary support of someone in need. It is completely voluntary.
Government TAKES from you by force (taxes, inflation, and high debt), takes a heavy cut for itself, and dribbles what's left to the so-called 'needy' (the lazy, the rioters and looters and those who support them, illegal aliens (which are criminals), and racism. That is NOT charity. That is communism, and enslavement. This is what Democrats call 'charity', to try to whitewash what they are and what they are doing.
Is charity more effective than government? It sure is!