Inversion relationship between sweat and spend.....

I have had the genesis of an idea for sometime now that's crystallized into a cogent theory...

It is my opinion that there is an inverse relationship between the distance from the person that literally sweats and earns money and the efficiency of earned money when it's spent.

Here's what I mean; If I sweat/exert/strive/plow-ahead/endeavor/create or otherwise conduct 'work' in exchange for compensation you can be darned sure that I'm going to be careful about how I spend the money I earn.  It will be spent efficiently and not wasted.  If I give my earnings to my spouse he/she will have many reasons to also be careful, but it is likely that the scrutiny and precision of the spend will not be as precise as mine was.  If I give my money to my kids, further slippage, to other family members, the perceived need to be careful and diligent slips a bit more, when I give my sweat/$ to taxes the accountability really begins to taper off, but if it's local taxes I at least have the potential for some influence on the spend, when the taxes are not local, even less, finally when the collective money from an entire society is pooled and shipped overseas to other places you can be sure that the efficiency and attention to details is far, far removed from the careful use that the original earners would have employed.

I think of it like this, a simple bar graph, on the vertical axis is distance from "sweater" the one who actually exerts the effort in the first place to create wealth at the top of the graph signifying distance/displacement from said person and on the horizontal axis starting in the bottom corner with maximum possible efficiency and accountability stretching right to infinity for no accountability/no efficiency/no idea how money is spent and/or lost.  On the chart two lines begin in the lower right corner.  The two lines form a big letter "X", i.e. the further removed the "spender" is from the original "earner" the less accountability/efficiency will occur.

Anyone care to challenge me on this hypothesis?