The Morality of Groups

If an armed man robs you at gunpoint, it is armed robbery.
If the government does it, it is called taxes, and they will probably jail you for not being a properly trained citizen and making them come down to your house.

I've seen this one addressed before. I know the moral. But recently I've been thinking about an example that's a little more subtle.

If a nice, charming, wonderful person got you to give him money, so that he may do something that you believe in, but his real plan is to fly out to Vegas, well, he's a liar and a thief.

But if any group, a group you believe in, does something similar, you've been lied to and stolen from, but you may not be able to find the liar or the thief.

Each individual may have been scrupulously honest with you and your money. You, your money, and the purpose for which you gave your money, can easily get separated in a large group. Committees make grand new decisions, the fund-raisers and the fund-spenders have nothing to do with each other, that convention in Vegas sounds very educational, etc... Decisions by increment and by committee, neither are particularly smart. People constantly fall prey to thinking a group purpose sanctifies their group decisions in ways that no one would think legitimate for the individual. This is faith in a false god, even if your group happens be in existence because of God.

Could it be the issue? Is this what mysteriously stops a full expression of living in common?
Could the Lord be patiently waiting for us to understand the group does not have a different morality from the individual?

This isn't a valid reason not to join groups; that would be like deciding not to get married because members of the opposite sex make mistakes. Unless the group is too far gone, like the public school system. Otherwise, let's contemplate our blind spots; perhaps it is as simple as making sure the one who raised the money completes the project.