Man, do I know the feeling of guilt you describe. And yes I am going to change the world. And hopefully I will become loaded (as if not the majority of the western world already is). But I will always be a Calvinist, not by choice, but by guilt. But I have realized a long time ago, I was not only lucky getting the proper physical and geographical properties, but also getting a real talent in one specific area: abstract reasoning. And so I can do 2 things; Be a volunteer for something in which I am not incredibly good (I'm not so much a 'sensitive' guy) or I could feel obligated to exploit the talent to the best I can (and enjoy it) and earn money of people that are living well enough, and spend that in the best possible way. Then I would be helping the world more. I feel it is everybodies obligation to reach for the best in themselves and use that for the interest of mankind.
Cornelius