Good point, and that's what I do with mine. In the "comments" section I say it's a gift to be used however JimRob deems necessary. That means he can use it to help pay the mortgage, put food on the table, run FR or pay down some legal bills, I don't care.
Which brings me to the larger point that you touch on: If it's specified as a GIFT to JimRob, up to $10,000 is TAX FREE for Jim. That means he doesn't have to pay taxes on it, and it gives him more "income" with which to support FR or himself. Perhaps we should change the donation screen and add a check-box to specify "gift" for the next fundraiser to help make this easier.