As has been mentioned, there are too many service charities. If the RAFA Clubs can't get the members through the doors, perhaps they should close and send all proceeds to RAFBF who do a really worthwhile job without the need for cheap beer on tap.
And as for the army, every regiment has its own charity and most defunct regimental charities still struggle on. There was even a "Machine Gun Corps" one until fairly recently.
Surely there should be one each for the Army, Navy and RAF to deal with welfare, but TRBL look after that don't they?