A hedonistic/utilitarian framework is a better model to look at these situations. Is that elderly individual enjoying themselves? Yes. Will their inaction today result in negative consequences (financial, health, etc.) later in life? No. In this framework, it's a perfectly good use of their time then.
As a redneck, I love America. But I think this question posed by the OP is interesting because it shows the tradeoff everyone must make in American culture between exercising individual freedoms and increasing social credit/value/standing.