The way you are using irresponsible is perverse. e.g. Being Irresponsible in this context would be remortgaging your house, while unemployed and using all the money to buy gadgets.
Forgetting that you have a small amount deducted for a service you are no longer using, isn't. It is minor oversight.
The way that language is abused by people when it comes to these sorts of subjects is bordering on semantic manipulation. Which in itself is a form of deceit.