Is there a different between moral obligation and normal obligation?

Merriam-Webster defines “moral” obligation as obligation arising out of considerations of right and wrong. It defines “normal” obligation as something by which a person is bound or obliged to do certain things, and which arises out of a sense of duty or results from custom, law, etc.

Sitting around the lunch table discussing the plight of homelessness in our country, a colleague advised me that I had a moral obligation to assist the homeless whenever I was approached for loose change, etc.

Don’t get me wrong, I agree. I show compassion for those who are less fortunate and help in whatever way we can, because I recognize my blessings. My problem is the word my colleague used - obligation. When I hear the word obligation I immediately go to place mentally when I feel I have to, I have no choice, I must, I’m only doing it because it’s the right thing to do, and I began to resent that! It doesn’t matter much that he put the word “moral” in front of it; obligation is obligation and it still feels like I’m trapped with no choices.

The fact is I choose to help the less fortunate because I believe I was created to encourage and build others up. Choosing feels much better than moral or normal obligation and choice is one of most power gifts.