Kicky, you provide a good starting point for my defense (I was going to start with money, but we will get to that.)
Galt's statement here relates to personal ethics not to social policy. Of course personal ethics affects the community. I assume that Galt would follow this belief regardless of law or people around him. Jesus would follow his beliefs as well.
The philosophy expressed in this quote is requires a level of arrogance. If you come to me with a need, I must judge whether you are worthy of my help. Do you want to judge the "unjustness" of someone's suffering? Will you interview him and ask for a believable performance to prove this? Do you want to judge someone else's virtue?
I don't want to be in this position. I probably won't do a good job. History tells us that "virtue" is often judged by irrational measures. People tend to be swayed by height, weight, race etc. We have trouble hiring employees fairly. If everyone lives by this, it will amplify the inequities in society.
In contrast, Jesus' philosophy is summed up by
Jesus (Gospel of Luke chapter 6) wrote:
Give to everyone who asks you, and if anyone takes what belongs to you, do not demand it back. Do to others as you would have them do to you.
Do not judge, and you will not be judged. Do not condemn, and you will not be condemned
These quotes from Galt and Jesus are both extreme. But which is better for society and for the individual.
"Do to others as you would have them do to you." is a very logical statement. A community with this standard will be united and will work together for the common good.
The fact that I will give without judgement takes a burden off of me. There is a basic fairness and goodness about this. I am not forced to decide whether you deserve my help or wrestle with my prejudices.
In a community with this standard, I don't need to worry about bad times that may come. The entire can be confident their needs will be met-- as a community.
A society that lives by Galt's standard will be arrogant, unfair and will disunited. People will not work together as they will be worried about whether their neighbors have the "virtue".
When Terry doesn't help Kicky in his time of need because he didn't rate as virtuous, you think Kicky is not going to remember this? This society will tend to break down into people who will never help each other.
A community that excepts the philosophy of Christ will have more confident people who work together for the good of all. Under Galt's philosophy people will be arrogant, and will face the arrogance and judgement of others. They will not have support during times of need nor work together with their neighbors.