That's rich out of somebody who obviously has no concept of signaling theory. Not to mention, of course, that "systems thinking" makes no comment on human ethics or morality. Unlike some, the people working in the field seem generally to know their limits.

But you're right that clarity is important. In that spirit, it was your cowardly effort to excuse your behavior, and your obviously motivated effort to ameliorate its moral odium which you feel, that I criticized. This was and is in the course of helping you fully grasp that whatever is driving you, here, feels unconscionable to you because it is unconscionable and you know it, just as you understand in your heart that there is no excuse. Else you would not strive so here, in the hope someone else may supply what you failed to achieve alone.

I don't know just what it is that you're feeling so exercised with guilt over. Nor do I care. You know. For the rest of us, I confide, it will eventually become part of the public record, and I'm happy to wait that day without further unprompted comment here.

If we want to get into anecdotes... most of the people I know with kids are seriously struggling. And that aligns more closely with economic data than what you said. Most people do not have a robust emergency fund at all.