firewns said:”For example, if one is donating money to charitable organisations, one can do so without expecting anything in return (alobha). One can also sincerely wish for the benefits of the needy when they receive financial aid from these organisations (adosa). But how can one cultivate the amoha cetasika in such a case?”
This is related to your question on another forum here on the arising of cetasika (sankhara) automatically within a split second.
At least initially, it is not possible to control what kinds of cetasika arise when our attention is grabbed by an external sense input.
One CAN and SHOULD deviate the mind from such “unwise” cetasika when one becomes aware of them (that is Anapana or Satipatthana). For example, if one gets the craving to eat a piece of cake that looks delicious, one could suppress such thoughts by thinking about bad consequences of eating too many pieces of cake. Of course, one can eat such things in moderation.
The point is that as one sticks to being mindful, many such spontaneous reactions will reduce with time. That is cultivating panna in one sense.
However, a huge change will happen when one starts comprehending the unfruitful nature of sense attractions (anicca, dukkha,anatta,asubha nature), and that some of them can be outright dangerous. That is when one really cultivates panna.
But it is hard to pin point when that “jump” will happen. One should just keep at it by “being mindful” AND also keep learning Dhamma and contemplating on those concepts.
Another way to say that is to say that panna will grow as one gets rid of bad gati and cultivates good gati.