Which Is the Best Standard-Form Representation of the Following Argument

Multiple Choice

Which is the best standard-form representation of the following Argument from Principle?
A person is morally required to aid others only if doing so doesn't require using their own hard-earned money. So, we're not obligated to donate 1% of our income to effective poverty relief agencies, because doing so would require using our own hard- earned money.

A) 1) A person is morally required to aid others only if doing so doesn't require using their own hard-earned money.
2) Donating 1% of our income to effective poverty relief agencies would require using our own hard-earned money.
So, we're not morally required to donate 1% of our income to effective poverty relief agencies.
So,
B) 1) We're not obligated to donate 1% of our income to effective poverty relief agencies, because doing so would require using our own hard-earned money.
2) We'd have to use our money to help others.
So, people don't want to use their money to help others.
C) 1) We're not obligated to donate 1% of our income to effective poverty relief agencies.
2) Donating 1% of our income to effective poverty relief agencies would require using our hard-earned money.
So, a person is morally required to aid others only if doing so doesn't require using their own hard-earned money.
D) 1) A person is morally required to aid others only if doing so doesn't require using their own hard-earned money.
2) People don't want to use their hard earned money on others. So, we're not obligated to donate to help anyone else.