Let’s look at “Compendium of the Social Doctrine of the Church” (http://www.vatican.va/roman_curia/pontifical_councils/justpeace/documents/rc_pc_justpeace_doc_20060526_compendio-dott-soc_en.html).
It proclaims: “The principle of subsidiarity is opposed to certain forms of centralization, bureaucratization, and welfare assistance and to the unjustified and excessive presence of the State in public mechanisms. ‘By intervening directly and depriving society of its responsibility, the Social Assistance State leads to a loss of human energies and an inordinate increase of public agencies, which are dominated more by bureaucratic ways of thinking than by concern for serving their clients, and which are accompanied by an enormous increase in spending’.”.
Or “188. Various circumstances may make it advisable that the State step in to supply certain functions . […] In light of the principle of subsidiarity, however, this institutional substitution must not continue any longer than is absolutely necessary, since justification for such intervention is found only in the exceptional nature of the situation.”.
So, government welfare is meant to be for emergency use only.
Of course, such government intervention tends to “outcompete” private initiative, and to create a “permanent emergency”, which is hard to undo…
As for the difference of “Non Governmental Organizations” and “Personal Charity”, they are pretty much the same thing with different levels of organisation.
Unless, of course, “Non Governmental Organizations” end up being a less visible arm of government.