The main reason being ethical is considered to be difficult, and morality being a topic of study and debate is due to considering the question &quot;why should we consider our own welfare over that of others?&quot; - ie are there reasons to not act in a selfish manner 100% of the time. What is of higher utility to you, or what you consider your in group, is not necessarily moral. There&#x27;s a big difference between physical survival and simply being more comfortable than one would otherwise be.  Your rhetoric puts this as a question of survival in the same breath with different preferences. Surely no one is asking you to give up your life and die.