You'd really need to define needy

For instance, I have something like 15m total stuff in my bank. I'd love to have bandos, but I can't afford it.
I wouldn't describe myself as needy. Bandos is nice, but its a luxury, not something I desperately need.
My idea of needy would be a low level dude with armour that's inappropriate for his level (or no armour at all)
Or a high level dude who got hacked, but you gotta make sure they've secured their account first, and that they ain't kidding.
From my viewpoint, once you own a set of rune, you're no longer needy, because its good enough for F2P, and although its pretty bad in members, it still works.
Especially with the low prices at the moment, you can pick up a dragon longsword at 60k, work your way up to 2m for a whip, or maybe some dragon armour (skirt's pretty cheap, for instance)
Then again, from my idea of needy, you'd probably be able to help well over 100 people with that 100m. I guess it all depends on if you'd rather help lots of people a little bit, or help a few people a lot.