Oh Oh!!  I am SOOO sorry.  You were talking about yourself first, I see that now.

Because after all, you said some "other" irresponsible person.  As in, one other than yourself.

I do apologize.  But please, remember that even if you didn't pay your bills due to your irresponsibility, that doesn't mean that everyone without outstanding bills have them due to being irresponsible.  Sometimes it simply can't be helped.