施恩 is a literary, slightly old-fashioned word — it carries the flavor of imperial decrees and Confucian ethics. In casual speech
帮忙 (bāngmáng, 'to help') or
行善 (xíngshàn, 'to do good') is more natural. Used today,
施恩 often implies a hierarchy: the giver is in the stronger position, which is why
我不需要你施恩 ('I don't need your charity') has a defensive edge.
