def find_organization_or_user_for_default_charges(user):
    """
    Takes a user model and finds either the first non public organization or the user itself
    :param user:
    :return: namespace name to charge by default (organization or user if not part of any organization)
    """
    namespace_to_charge = user.username
    for org in user.organizations:
        if org.organization_name != 'public':
            namespace_to_charge = org.organization_name
            break
    return namespace_to_charge
