I liked what Ghandi said. He said no charitable organization, or organization that claims to exist for the benefit of its members should have more than it needs to survive and serve its target group. Otherwise, they aren't accountable to anybody.
I personally think it's wise advice.
At the same time, I don't fault them for surplus money.
But I take exception to the paltry lack of social services provided by the church for its members given such surpluses. I tried to adopt a child years ago, and it was botched by a poorly trained, ill-fitting social worker managed by an absentee office director. The director was on a mission as a president, so they had the office managed by a remote director who wasn't involved at all to see the incompetence.
I needed a release from my calling years ago due to mental and physical health issues, and the local stake presidency was too busy to address it. They came off as not giving a hoot. I tried to then get counseling after I went into depression by that, and some destructive behavior from members in our Ward while in leadership. I couldn't even get an appointment with LDS Social Services.
I still remember a Bishop saying "you'd be surprised how long a member claiming the need to see me can wait". That's not good service to members. Something I might expect from a lay minister with a full time job and young family. Not something I would expect from a church that claims to be there for its members.
I think early morning seminary, required at a time teenagers need their sleep, and which cause big sacrifices from parents to get them there, wait, and take them to school due to missing the bus -- needs to go online. In my PhD education studies (switch to business later), I did a research report on whether the church should put seminary online. Looking at it from a purely financial perspective, it's wasn't worth it given free teaching labor, no cost to making parents get up way early 5 days a week, and drive kids to school, and no extra infrastructure cost due to brick and mortar churches not utilized at that time. But they won't spend on the technology infrastructure, help desk, training and other costly aspects of it -- while they sit awash in cash.
So, if what you are saying is true -- the church is awash in cash or at least wealth, then I think it's time to lighten the burden of members and expand services to help them. To hoard it, and purchase 5% of the land in Florida like they did doesn't hold water with me. There is a small campground on it owned by the church, but it just sits there, doing nothing but probably increasing in value. Your tithing funds at "work".
https://www.csmonitor.com/USA/Latest-Ne ... -landowner
I GET that they instituted tithing and fiscal responsibility many decades ago, as well as the TR tithing concept, and I GET that it worked in generating surpluses. If they cut tithing back, and times get hard, it will be hard to reinstitute it. I GET that too. I don't blame them for that. But I do fault them for not using surpluses to make the lives of members better. To expand Ward budgets, and to make services more available for members.