You seem to have a model of the human brain as a machine with a moral selector. If it is set to "good", then the morally-correct neural programs are automatica

You seem to have a model of the human brain as a machine with a moral selector. If it is set to "good", then the morally-correct neural programs are automatically activated, producing a moral outcome, or at least a valiant attempt interrupted by bad luck. "If you think that going to the bank, doing your laundry, and answering emails in a timely manner is some sort of accomplishment or difficult, ..." In reality, the actions of the human brain appear to be directed by a complicated network of multiple pattern matchers that search for salient input. When one of them recognizes a pattern with sufficient intensity, it produces an output that directs attention and activity toward it. These pattern matchers vary across the population. Some people are entranced by music, some by tidiness, some by praise, some by chasing tail, some by financial work that they have been told needs to be done, etc. etc. etc. There appear to be pattern matchers that work on thought itself, sustaining attention to an idea so that it spontaneously stays somewhere near the focus of attention with little perceived effort. This facility appears to vary a lot between people. Some people get stuck (obsessive-compulsive disorder), most folks remember the more important things most of the time, and for some people holding onto a thought is like trying to catch smoke. Studies of twins separated at birth show that this facility is about as heritable as adult height. "Going to the bank is hard?!?!?" Going is easy, but for some people it simply does not spontaneously float into the focus of attention. If the police aren't about the come asking awkward questions, if the person has enough folding money for food, and so forth, then it readily slips out their conscious mind. They'd rather it did not, but a weak meta-mind cannot readily fix itself with meta-thinking. I fall on the easily-distracted-by-shiny-objects end of the spectrum. Somewhere around here I have a $50 refund check that I've had for ages. The cops don't care, nothing gets turned off if I ignore it, so it keeps falling off the radar. It will probably continue to be forgotten until it has more value as a collectible. One of my descendants will euphorically sell it for Federation credits and then promptly misplace their credit chip. They will feel really guilty, but this will not help them find their credit chip. "I choose to be responsible because my kids can't do their own laundry or buy their own groceries." Try choosing to be irresponsible for three straight weeks. Your kids will not be harmed by a few weeks of nachos and slightly-dirty clothes. I bet you couldn't do it. The salience detector in your brain would scream and you would be compelled to obsessively fix it, regardless of your previous "choice" to prove you could, and your brain's storyteller would then cook up a story about how you really meant to do laundry all along.