> And it's in those situations that our true morality, as measured against our basic needs, comes out.

This is far too binary IMO. Yeah, the higher the personal stakes the bigger the test, and it's easy for someone to play the role of a principled person when it doesn't really cost them anything significant. But giving up millions of dollars on principle is something that most people aren't actually willing to do, even if they are already rich.

How someone acts in desperate circumstances reveals a lot about them. But how they act in less desperate circumstances isn't meaningless!