I would start by saying that we should all keep the idea of donations in our minds everyday in my opinion, and maybe you should consider donating if you say that you can, you know, be the change you want to see.

But I think you are missing the point that even if your final decision is the same as a billionaire, that is to donate 0%-1% of your savings, you are still not in the same category, not amount wise, not savings wise, and not impact wise. You not donating 10% of your savings does actually make a significant difference in you life while making an insignificant difference in comparison to what a billionaire can donate. A billionaire can donate a significant percentage of his savings with an insignificant difference to himself, while making a significant difference for others.

The billionaire is choosing not to make a really really significant good deed with almost zero consequences to himself, you are choosing not to do an admirable deed that has a tolerable but very real difference to you.

So it might seem the same, but in reality these are not even comparable situations.