Feeling bad about someone else calling you immoral is a waste of time.
"It feels more personal when you call me immoral than when you say I'm wasting my money" is not a valid reason or justification for any behavior.
Evaluate, process, and adapt, if necessary.
In other words, there are two potential outcomes:
1) If you reflect, and decide they're right, you change, and don't have to feel bad, because now you're taking more ethical actions.
2) If you reflect, and decide they're wrong, you don't have to feel bad, because you're already choosing the ethical options.
(Or you can do what most people do, and not reflect, and bury your head in the sand, because it's a lot more comfortable. :) )
Either way, there's nothing to take personally. They're wrong, and you DGAF, or they're right, and you're grateful for having it pointed out.
I'll repeat: I think there's a lot of people who are acting immorally (that isn't to say they're an immoral person, but they're not acting as ethically as possible) that have participated in this thread. Myself included. I hope some people reflect on some of the points that have been made as to why, and change some of their giving behaviors. But if they decide they're happy with what they're doing, awesome! More power to them.
On a very related note, why take anything personally, ever, frankly.