MF's classifications appear to not be universal. People do exist that are more careful with other people's money than with their own, because they feel empathy

MF's classifications appear to not be universal. People do exist that are more careful with other people's money than with their own, because they feel empathy and/or wish to cultivate a professional reputation. I imagine such people would be very sought after and highly paid as fiduciaries and managers. I too have been frugal with an expense account, but that may have been more out of a general mistrust of the employer, who might not reimburse in a timely and convenient fashion, rather than out of concern for their financial well-being. If my brother-in-law were to offer my entire family dinner, on him, at a restaurant of our choice, we would be eating at a strip-mall taqueria, for less than at McDonald's; whereas if my parents are buying, it's gonna be sushi, with a bunch of the fancy rolls. I know what they can each afford. Also, when I am shopping, I take it personal when I feel like I am getting ripped off, even if I am buying on behalf of someone else. If buying is a game, I want to win it. For instance, I am super pissed about the F-35. I don't fly it, build it, maintain it, develop for it, see it, or even hear it. But it seems like maybe the government spent at least 5 times as much on it as it should have. Same with Boston's Big Dig. I don't live there or drive through it, but we all got ripped off on that one. That deal where Chicago sold its public parking meters and the Skyway Bridge? Pissed. People who don't care about other people's money when they spend it should not be allowed to spend other people's money. But there is way too much money that needs to be spent, and not enough conscientious spenders to do all of it. Thus, we end up with the yahoos that allow other people to be ripped off.