Sure, but a cultivated character does not occur apart from volition and deliberation. Character is cultivated precisely through intentional decisions, either by oneself or by those who are responsible for one’s formation. Beyond that, I wouldn’t assent to your claim that your abstention from murder makes you morally cultivated.
I don’t think that makes much sense, but I believe we’ve spoken about this before. Unintentional acts are not morally praiseworthy or blameworthy. If you pay taxes to avoid prosecution, and you have no idea that your tax money helps support the poor, then your act is not morally praiseworthy vis-a-vis supporting the poor. The other issue here is that “charity” is a very nebulous term.
I spent a fair amount of time in this thread showing how Foot’s early work, including her paper on hypothetical morality, is largely obsolete, being rejected even by Foot herself in later years. I realize this is unfortunate to those who think that paper should be identified with Foot’s mature work, but it just didn’t turn out that way. If I had written the thread you are speaking about I would have pointed this out to everyone in the OP.