In point of fact my reply has direct bearing on how you responded.
For the protestant, the autonomous self-will is what reigns supreme, not Christ. Their theology speaks to that. The ultimate deciding factor: what does it mean to me; how does it speak to me; how does it make me feel; how does it affect me? The supremacy of self as the arbiter of Truth. The rest flows from that. The protestant interaction with others is not informed by Scripture but what they deem to be most advantageous to self. In that, a cold calculation is made.
As a result this mentality leads one to say internally, "This far and no farther." Or in your terms, "I'm only obligated...and nothing more. Safeguarding self is paramount.
Which is why most protestants will say, "I'm not giving the homeless man a dollar because [whatever justification they use]. Their sense of charity being obfuscated by either secular concerns or protection against injury to self.
It's worship of self, self-deification that is the order of the day for protestants.