I'll say natural. Now, before I get flame-broiled like a whopper, let me explain.
"Captain Save-a-ho" is harsh, maybe in extreme cases of trying to polish a turd it's appropriate. But often people apply the term to every little good deed a man tries to do for a woman. People want to help others, you know, "looking out for fellow man" and such? When a person tries to help out a male friend, do you still call it "save-a-ho"?
I think the desire for men, and women, to help others is always there. I hate to use the term "Alpha" here, but the "Alpha" of a social group tends to "look out for their peeps". In fact, when a person "watches over" or protects a group, the group holds that person in higher regard.
Take, for example, a work situation where a supervisor takes better care of their subordinates than the manager does. Over time, the supervisor will likely take over the manager's position because employees will demand it: "tending the flock" is part of being a good leader.
HOWEVER, when you couple this natural desire with AFC social programming, then you get "Save-a-Ho" situations. The social programming seems to act as a "multiplier" of the natural desire to "help". Now, instead of a certain level of unconscious behavior, there is a conscious effort to "Save-a-Ho" as well. And, the ho saving is indiscriminate! As in, "I'll save any and all hos that need saving because that's what Disney wants!"
Now back to the misuse of "Save-a-Ho": I am in the process of "saving" one right now! Am I AFC? No, you need the details, don't you? An old GF got in touch; she's married, overweight, has 3 kids, husband beats her, and of course, miserable. Now, noone needs to get beat, and kids don't need to watch mommy get beat, either. She's miserable because she (was) fat, and jackass wife-beater-boy doesn't need to stay in the picture. We hooked up and I made her feel good. She'd freak out about the situation, and I'll cool her down. She lost weight (60+ lbs), is getting a divorce, and we hang out and "have fun".
Ok, now that you understand the goings on in that case, in order to properly determine AFC or DJ, you must understand the motivation. See, this chick is a good person: great attitude, responsible... fun and positive in general. I am most certainly "Saving-a-Ho", however, I'm not saving her for myself. Are you kidding me? A divorced single mother of three kids with a mortgage? No, I'm saving her from an AFC husband. An AFC wifebeater husband soon to be single and coughing up huge chunks of his paycheck to support the kids - call it a "fine for beating women" or "AFC tax". I have no remorse, no guilt, I am completely righteous for helping an old friend out.
If you had the power to help someone who is suffering, you would, wouldn't you? Right, and that's why I feel it's a natural behavior. Now, when a guy can't get laid and lowers his standards in order to get laid by a "busted" woman, or tries to stay and fix a "busted" relationship out of fear of being single, that's not "helping fellow man", that's "Save-a-Ho". The password is "compassion". Humans have it naturally. But, society plays to it and blows it up to a point where we go around with "Practice random acts of kindness" bumper-stickers.
I guess what I'm driving at is that the basic ho-saving inclination is natural, but, innappropriate, self-defeating, "help in order to win the favor of a woman" ho-saving is learned.