I'm new to MS and most interested in using Kiva for this purpose because I love Kiva and love the idea of helping others while doing this. Kiva also seems easier than running around to WMs and banks.

But I'm doing the math and I'm confused. If I donate 10k to Kiva, even if I have no defaults and eventually withdraw 10k to paypal, I pay $290 in paypal fees. I may earn 10k points for $290. But considering most points have a value around 1.5c (using tpg's valuation from 11/3/17), I've paid $290 for $150 in points.

Can someone help me understand why this would be a good idea?