That 'line' doesn't exist in Tao. They're the same thing, or two sides of the same coin, or something totally made up by people to make sense of the world. All opposites are just the same thing in Tao, and the synthesis of those opposites is what makes life.

Tao says you shouldn't be either extreme of apathy or burning yourself out, but it also doesn't give you a definition of what balance is on a case by case basis. That's something you need to learn yourself by going out and experiencing life, to discover it first hand (some might call this the difference between wisdom and knowledge, with morals and ethics being solidly in the domain of the former according to Tao). It's not something you can define, read in a book, and then implement with 100% perfect efficacy. If it was, surely someone would have created the perfect cohesive argument that nobody can disagree with in the thousands of years humans have been thinking about these issues.

In terms of your comment 'because of the world we live in', Tao actually came about during a very awful period of Chinese history. Ironically, it was actually made with the idea of being a very practical philosophy that doesn't concern itself with rules and regulations of what to do, what is good or bad, and what is or isn't acceptable. Another comment goes into the historical context better than I can so I suggest reading those so I won't repeat.

Regarding the superiority complex that comes with religion, Tao very clearly disapproves of this. That's why depictions of practicioners in old art are usually of old, fat men with terrible teeth laugh, joking, acting clumsy, dancing, etc. It's because Tao is about living life, not taking itself seriously, and flexing on people about how much more ‘moral' you are is actually a form of egotism. Tao is very much against the individual ego. See this very famous koan with a message to this effect https://www.zinzin.com/observations/2014/zen-in-action-no-tree-no-mirror-no-dust/

I guess I'll just leave you with this Alan Watt's quote, which I think is kinda central to your intellectual conflict of trying to figure out in your mind what is the 'good' or 'right' thing to do.

"Nothing is really more inhuman than human relations based on morals. When a man gives bread in order to be charitable, eats with a Negro in order to be unprejudiced, and refuses to kill in order to be peaceful, he is as cold as a clam. He does not actually see the other person. Only a little less chilly is the benevolence springing from pity, which acts to remove suffering because it finds the sight of it disgusting."