I also struggle with this mentality. When I do introspection, I find the following thought patterns:
- Not wanting a hassle, as you mentioned (risk aversion, lack of self-confidence)
- Constant messaging by society and parents that I can be taken advantage of and to mind my own business (individualism).
- Knowing that someone or a cause needs much more help than I can provide, like you also said, so any amount of help I give feels like a pittance and I feel guilty. ("letting perfect be the enemy of good")
- Knowing that many people or causes need money but I can't help all, so any choice I make feels random or biased to the most sympathetic.
- Getting a sense that the only moral thing to do then is to give up my relatively well-off existence to charity, mutual aid etc. and me not wanting to keep money for myself is selfish and "treatler-brained".
- Rather than accept the imperfect, I avoid the matter altogether and try excuses like: "I don't have cash on me right now, sorry"
The name already made me think: "they slapped 'Bohemia' and 'Moravia' together", interesting to learn it wasn't a pure coincidence.