no your not wrong in asking this, in fact there is no definitive line here. The examples you have given are a great example of things that are wrong with this world. Because you cant tell... and if you speak up, you become the bad guy.. and if you dont even though you know your right. It eats at you, you loose either way.
But those who actualy do things such as donate to charity end up getting either harassed for life or taken advantage of... my sister a few years back donated some money to the international wolf center.. since then every 2-3 weeks she gets a letter in the mail asking for more money.
The fact stands those who do nice things either do them for the wrong reason or get taken advantage of sadly