Does the religion have a paid clergy?
Does it "request" funds/donations?
Does an affirmative answer to these questions automatically disqualify it from being a valid and useful institution?
The watchtower has no paid clergy and doesn't really request funds (at least not the same way most Churches do) even still they are a destructive cult.
In my mind if there is no paid clergy or contributions requested I think "too good to be true what is the hook?" Even the greatest and most useful charities in the world have paid staff and ask for donations. Why can't a Church do the same?