It is tough, ain't it? Everyone to an extent has some ability to do something moral (help someone out, etc.), and therefore, they have the responsibility to do so. It's ludicrous to think about sacrificing all your time and energy to making others happy just because you have the potential though. In your mind, you make the decision to not do something moral because somehow it's a burden to do, and I wouldn't expect everyone to put themselves before someone else; after all, the effort might be well not worth it for someone who doesn't deserve the help. So, coming from an atheist and disregarding the "sin" aspect of it, it's not really immoral to not give your 100% because ... well, then you'd be miserable as all hell for the sake of other, probably less miserable, people. Morally, we shouldn't always expect to be helped by others either, and we should respect the fact that people may have to go out of their way to help you. It's all about balancing, I suppose.