If you found a bill laying around

[Chaerophon]

there is no grey in my eyes.

Well, most people would argue that that's not a very productive or realistic world view to have. In fact, I'd go out on a limb and say that you're deluding yourself if that's what you think you really feel. You've never felt sympathy for a villain? (Try Edmund in King Lear) ( OOOH, even better, Brutus in Julius Caesar!)

I would view taking the dollar as the Evil thing to do

Nope. FAR from evil. Maybe not as honest as possible, but definitely not evil or even bad. "Hey, look, a dollar!" If you heard a little kid say that and he picked it up to buy some candy, you'd think that he had just committed an evil act? I don't think so. It's an everyday occurence, not some sort of telling moral dillemma. Now, 100 bucks? That's more of an issue. STILL not evil though. Just a little bit bad - on the other hand, maybe he's going to donate it to charity... Then is it good or bad, black or white? Very gray, albeit, a light gray.

it really does do a fairly good job of classifying people and events in real life.

Nope, I don't think so. People and life are far more complicated than that.

Or maybe I'm just an insane AD&D-obsessed gamer.

Well....

Edit: I pray to God nobody corrects me on the spelling of 'gray' :P