If I ask you for 200 dollars a month to supplement my income so I can pay for NECESSITIES.... (this could include food, electric bills, water bills, rent, communications costs, etc, etc, etc)... while at the SAME TIME, I am WASTING some of my own income, I am behaving in an unethical manner.

Duh.... This should not be that hard for you to grasp.

If I want YOU to help me pay for my NECESSITIES. I have an OBLIGATION to MINIMIZE how much of YOUR money I need...