You seem to think that we are never morally required to help others.
Immanuel Kant argued that we do have an obligation to do at least something to help others.
Kant believed that we should only act on principles that we can rationally will as universal laws – laws that everyone will act on. As a rational agent, I know that I sometimes need others’ help to achieve my goals. So it would be irrational of me to will that everyone act on the principle of never helping others.