In a free society such as ours, if we wish to remain free we must acknowledge that people have a right to spend their money as they choose. Some will make “wise” choices, some not.so wise. And all must take the consequences of their choices, wise or not.
It certainly would be wonderful if everybody made wise choices, wouldn’t it? Yet I very much fear that even then, somebody would find fault somehow. There would be complaints that, yes, so-and-so made a good choice, but it wasn’t really the best choice, and shouldn’t people make not just good, but the* best* possible choice? But the best possible choice of any* thing* is always going to be subjective, not objective, because we are all individuals. Single people have different needs in many categories than married people, for instance. It doesn’t make either single or married people “better” than the other, but it does mean that the* best* choice for them in many many areas will differ. And that, human nature being what it is, there are going to be grumbling fault-finders who will never, ever be satisfied with anyone who chooses something different from them.