You are confusing self interest with greed and assuming they are synonymous. The self interest from money alone isn't enough to motivate Steve, but the reward he gets from helping people and being considered wise and benevolent is great motivation. The drive to obtain this reward is still self interest, even if it's not related to money at all.
"I'm fine there in my bed, why am I getting out of there if not for a really good reason"
There must be some reason to get out of bed or else you wouldn't do it. And even though you may be tempted to stay in bed, self interest gets you up. I don't know about you, but most people have to work jobs to provide for their physical needs, so getting up and to avoid being fired is definitely in their self interest.