We live in an exhibitionistic, self-aggrandizing, and self-indulgent society. It’s also largely an everyone for himself or herself society. It’s hard to become a conscientious, obligated, civil, and generous person in such an environment.
True generosity is generosity of spirit. It can be as simple as a kind word to an overburdened store clerk. Yes, it can mean giving money to those in need. But it’s really more about the spirit (and character) of the giver than the need of the recipient.
Treating others badly is not only bad for you (because it reinforces dysfunctional thinking an behavior patterns) but it also enables the person who’s treated you poorly to feel justified in the unhealthy attitudes and behavior they’ve exhibited.