You seem to have some misconception that a True Neutral person is somehow obligated to help a common person in a passing time of need because for some reason True Neutral is a representation of the average person. This is completely and utterly false. You are thinking of Lawful characters, and even Lawful Evil characters can profess some form of malevolence (as sometimes treating people well is a more efficient form of dominating them).Also i think the previous i have said is quite accurate for both of us.
There can be 2 mindsets of tn that i think off.
"I am alone at my problems, so i help no one, unless he is a friend, so i expect nothing from others when i have my own problems"
or the
"I give some money to the homeless, because if i ever happened to be homeless, i would like to be assisted by others"
I think in the end it goes
neutral good. I will sacrifice something so someone in need will be better. But if i was in the same situation, i wouldnt demand the others to do the same.
true neutral. I behave to those in need, as i think i should be helped if i am in need, though i will not ask for it.
evil neutral. I probably wont help you in your need. But if you help me in my need, sometimes i will return the favor.
Your examples are flawed because they all assume that a True Neutral character somehow is somehow a "Pay it Forward" type of character, which is simply false.