I often wonder how much learning really goes on with fundraising. The boys never really know the money that's passed around in the project. The only money they see is what they have to turn in at the end of the door-to-door sales. Even then the boys aren't trusted enough to get it straight. Parents are motivated to fund-raise because then they don't have to pay for their own kid's scout activities.. After going out selling, the money comes back, the adults skim off the top on the profits, hand out a few beads and trinkets to the younger boy because they are into the instant gratification kind of thingy, But for the older boys for the older boys the ISA's can be used to "build up an account" of moneys the adults tell them they earned, sans the 1099.
I really don't think many of these "lessons" I really want to teach. Now if they are going to have fun serving up a pancake supper the parents plan out (they do it anyway, the boys can't prep food by state law) I can see them having a lot of fun with that. Of course they could also go down to the Salvation Army and serve, too, but they won't get a cash hit on their ISA's, they'd have to have that fun without getting a personal kickback. Anyway it's hard to justify a service project credit when the boys get paid for their work.
If the boys want to learn the process, they can plan what they want to do, do it and then keep everything for their patrol. Of course they will have to budget it all out and make plans, and do all sorts of things the adults do, but if they are doing it only for their patrol, it can be done on a lot smaller scale where the lessons can be learned and they actually learn the lessons as boy led. Every patrol has to develop a budge and make plans. A lot of times that kinda gets in the way of the boys having fun, so it doesn't get done. Even a small fund-raiser for a patrol would require some effort on the part of the boys. If they did do it, the motivation would have to come from themselves and they would have to take responsibility in the process.