About the only thing I may ever agree with Jay on is that people make way too much of this supposed personality split between Walt/Heisenberg which is think is a largely fan concocted belief. Walt always had a potential darkness about him like most people, and it only took the right circumstances to unleash that.
However I think Walt's phone call is being very much misinterpreted. To Walt the money is not only his life work, it was what he was passing on to his family. He didn't want a mansion, summer home, fast cars and tropical vacations. He just wanted to take care of them. If he loses the money he loses everything and that means everything he did was for nothing.
The money is all he has left of his ruined legacy, his son hates him and won't take the only thing Walt can really offer him now.
I think you have a very negative view of people in general Jay if you can't see the good buried in Walt's psyche. It's there among the ego and the other flaws he has, and every character has on the show.
Go to church if you want to cleanse evil from the world, stop inventing it in fictional characters so you can be the ultimate judge of make believe morality. It's a little much.