Mine was a minimalist response to your minimalist 'history'.

Reread your post for comprehension; such a phrase as they weren't as responsible with their money as they should have been -- is among those heap-Judgmental phrases, always expecting prescience in others. It is My Opinion in 20/20 hindsight.. regarding everything from, "what money might be for?" and on through what IS 'responsible' behaviour in actual circumstances..[and to Whom?].

Of Course I don't pretend to know "who you are"! - nor did your encapsulation reveal enough - or well enough. I merely offered you a, "what you Sound(ed) like" photograph.

Brevity works, sometimes.



HTH,

Ashton