This is something I was thinking about a few months ago. This has to do with missionaries raising money for needs other than immediate ministry needs. The example I use is a retirement account.
As a missionary, if you feel guilty about putting money into an account for retirement then you are showing you are dependent on the donor and not on God. As a donor, if you are angered by missionaries putting money into savings, then you are demonstrating that you are giving to the missionary and not to God.
Our giving and receiving should be vertical; from me to God, or from God to me. Giving should not be horizontal; from giver to receiver. As soon as the donor thinks that he is giving to the missionary as opposed to giving to God then he starts to feel like he should control how the money is used. When a missionary begins to think that the money he has comes from individuals and not from God, then he becomes dependent on people and not on God.
Keep your giving and receiving vertical and not horizontal. By doing this then you don’t allow bad attitudes to creep in.
I understand that, as a donor, I want to know that my money is properly used, but if I feel God wants me to give it, I should give. Then whatever happens to the money is no longer in my control. It is up to God to take care of His money. As a receiver I should be very careful of how I use the money given, but not because I am concerned about what people think of how I use the money. I should be careful to be accountable to God for how I use His money.