To me, it's impolite to go out shopping with no money.
If you have more money than your lifestyle, then you can either do something stupid or smart. That's not much of a choice. That's like saying, 'You are on the roof. you can either take the elevator, or you can jump.' That's not a choice.
I have not cared for money, and I enjoy working. Money comes my way. People work hard so they get enough money. Or they work hard so they don't have to work hard later in life. But though I don't need money, I still work hard because I like what I am doing.
My choice was to ruin my son's life by giving him money or giving 90-plus percent to charity. Not much of a choice.