My point of view: if you are spending lots of $$$ on booze & hookers, but you LBYM and you are saving enough to continue that lifestyle in retirement (including medical), you are still being financially repsonsible.
But...
If you are spending what little you have on helping orphans and baby animals, but going further into debt to do that, you are being financially irresponsible. "Morality" has no place in this discussion.
Agreed.
However, even were I to have Buffet's money, I predict DW would enter the discussion if it came out that some of it was going toward working girls...