"Mightn't" we shrink from optimal helping? "Might" charity be usually an imbalance of utilons?
Yes, we might, it might.
These are important considerations--I don't mean to denigrate clear thinking. But to lie content with hypothetical reasons why something wouldn't work, due to a common hidden laziness of most humans but which we can convince ourselves is due to more noble and reasonable reasons, is to completely miss the most crucial point of this entire Sequence: actually doing something, testing.
I think it's safe to say that the natural inclination of most humans isn't initiating large projects with high but uncertain reward. It's to "just get by", a fact which I must thank you, good sir, for illustrating.... it was intentional, right?
This sequence ran from March to April of 2009 and dealt with the topic of building rationalist communities that could systematically improve on the art, craft, and science of human rationality. This is a highly forward-looking sequence - not so much an immediately complete recipe, as a list of action items and warnings for anyone setting out in the future to build a craft and a community.