No, who said anything about right or wrong here? What I said is responsibility. If you're naive/ignorant/otherwise unprepared then the answer is to ask for help and learn so you can be better prepared. That would be best for your future but it's ultimately up to you and nobody else really cares what you do.

You didn't say "responsibility", you said "personal responsibility". "Personal" implies that they should take sole responsibility for their circumstances, ignoring any other agents involved.

So, yes, it does appear you're talking about right and wrong.

What a strange interpretation. Did you read the entire thread?

The comment I was originally responding to said teams "should require [athletes] to sign a consent form for arms-length management of their capital" which I absolutely don't agree with because they are adults who can choose for themselves. And yes, it's personal because it's their money and their choice to either spend it or do something else.

I don't care what or how they do it, and there's no inherent wrong or right involved. It's their paycheck and they can do whatever they want with it... but taking away their agency in the first place doesn't solve anything and certainly doesn't magically teach better decision making in the future.

The phrase "personal responsibility" has decades of rhetorical baggage, from long use as a dog whistle by the USA's political right.

Going with the principle of charity: I apologize for assuming you were using "personal responsibility" as a bludgeon.