What's not rational about "My money is not your money. Earn your own money and your own way in life. If you need help and I decide to help you, then I'll do so of my own free will".
I know personal responsibility is a tough thing for most people to understand.
Yes it is completely irrational.. Because your money is not your money not even your life is your life... I don't think you have put much thought into how much was simply gifted to you, by being so special as to be born. All the laws that make up this society good and shitty.. All the fantasy construct that is money (which is something you have the delusions of calling 'yours')
Is gifted to you, from the work of others... Fucking centuries of work, including abused slaves and rich jackasses.
Take where it should go if centuries of work was not gifted to by the second you are born..what you would have? You probably would be killed, and your mom raped, so the warlord can have more children, or some other horrible, savage shit.
Personal responsibility, what a fucking joke... The structural columns that make a society have nothing to do with isolated individual and their personal responsibility.. Stop that crock.
Society is about collective responsibility, and you have benefited greatly, including that so called money you have.