"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?