An inner debate on risk aversion and systemic change
That's all good, intuitive advice. I'd considered something like moral luck before but hadn't heard the official term, so thanks for the link.
I imagine it could also help, psychologically, to donate somewhere safe if your work is particularly risky. That way you build a safety net. In the best case, your work saves the world; in the worst case, you're earning to give and saving lives anyway, which is nothing to sneeze at.
My human capital may best position me to focus my work on one cause to the exclusion of others. But my money is equally deliverable to any of them. So it shouldn't be inefficient to hedge bets in this way if the causes are equally good.