The thing is a lot of people run out of money for many different reasons and a lack of "personal responsibility" is only one of them.

All it takes is one big crash to wipe out years of long term financial planning. Illness of oneself, a spouse, child or parent can easily crater life savings. Sometimes people just live too damn long. And yes, sometimes people lack "personal responsibility."

To some extent, yes, you are expected to pay for the safety net of others. You never know when YOU might need it.