Ramadhan
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What do you mean by 'still' necessary? It might be a typo on your part but yes, charity is necessary to be morally upright only once a person's income has reached a certain threshold. The exact amount is unknown to me but I am leaning towards something very very high
Ok. Your opinion underlined is rather different than your previous claim that
Giving charity is neither necessary nor sufficient to being a morally upright person
It's a little bit better, although still looks very stingy to me as you added the last sentence (about the treshold being very very high).
Let's ask the world's population, who they choose as their neighbor:
a. a normal person with limited income who gives charity
b. a normal person with high income (but still under your income charity-treshold) who does not give charity