If a parish does not have the donations to pay for their "house", it is a sign that they never had the parishioner base to substantiate the expense, they never should have built the structure as large as they did. = poor management.
From my experience, it is the result of one or two big donors giving the money to build something that the parishioners can't afford to maintain or complete. Once the big donor is gone, the pastor knows nothing else but to go after the parishioners for money which they never had.
It is like a person winning a Hatteras yacht, like $500,000, the person is at first all thrilled, till he realizes the exorbitant cost of the maintenance, which he can't even begin to afford.
That is likely the problem at your chapel.