Several separate people in our congregation have revealed to me that they don't go to church because they feel guilty for not donating money. They can't afford to pledge and they can't afford to drop money in the collection basket. They're very active, honest, and passionate people who make a huge difference with their presence, but they explain that they feel inadequate for pledging $0 or passing on the collection basket.

The reality is that the church depends on every dollar to keep the lights on: how do we encourage those who do have disposable income to donate while making it perfectly OK and respectable to not give money?

Maybe to request pledges of time and/or money, equating community service with monetary donations? Or requesting any kind of gifts in the collection basket: money, flowers, blessings, candies. So everyone can put something in the basket.

I feel like I'm overthinking it.