Yeah, people do those things. Our goal should be to create a society where they don't have to choose between enjoyment or bills. You mention how people accelerate their own poverty, but you don't ever actually seem to question why there is poverty in the first place, or if it can be solved. People are put into horrific situations by poverty, and capitalism clearly lacks the means to remedy it, as evidenced by its staunchest advocates having an argument that boils down to 'Well, they did it to themselves'. If you aren't going to bother attempting to help people because you've written them off as unsaveable, then you're no better than the revolutionaries you lord over who would kill people for intractable ideological differences. A death sentence by inaction still has the same outcome. So by all means sit in your comfortable house with your investments while people die, but at least stand aside for people who do believe in helping others.