Well, he’s right. A family very deeply in debt (and borrowing more) should not be donating to charities. It really doesn’t matter how good the charities are.
Some goes for a country.
--- "Some goes for a country."
One observes that our national debt level is now about the same as at the height of WWII. After WWII, this nation earned down that debt in several ways, and since 2000, it has ballooned from about $ 5 trillion to $ 37 trillion.