One philosophy of mine which I've not seen stated elsewhere, but which I think is very important, is "Strive to do unto others slightly better than they deserve." While society would fall into decay if people always strove to give others exactly what they deserved (unintentional slights would not be forgiven, but would accumulate until people refused to deal with each other), treating people too much better than they deserve can often be more harmful than would be treating them unjustly badly. Sometimes treating people much better than they deserve may be easier than holding them accountable for their actions, but the cases where doing so is the easiest course of action are often the ones where it is most harmful.
All too often liberals suggest "What's the harm in XXX?" and conservatives have no answer. I would suggest that certain kinds of "charity" are analogous to a person who fertilizes all the plants in his yard including the weeds. For the time being, the person may be using only his own resources to feed the weeds, and the person may have no intention of imposing on anyone else, but even if the person has no intention of forcing anyone else to feed his weeds, that doesn't mean his weeds won't force other people to feed them.
When liberals treat blacks so much better than they deserve it's really a form of contempt - and condescending and insulting... Too bad most blacks don't understand white people. If they did they'd never vote for a democrat again. Biden with his 'ya'll be in chains except for me' and Clinton's thing about being the 'first black President' ... What did people think that meant about Clinton? Tell me what traits Clinton had that made him 'black' and you'll see how insulting that designation was.
I enjoyed your thoughts on this supercat... insightful.