Cooperatives work this way too, it's a form of collectivism - they reduce variance.

Consumers' cooperatives, for example, can be a good way of avoiding excessive taxation and speculation from middle men.

Mining pools, cooperatives, are positive forms of collectivism and centralization.

Still not what I'm looking for, I want total autonomy of the individual, so that "giving for free" does not comes with suffering for the one giving for free. I think that we can achieve this with technology in the near future.