You pretty much fit the description of a financially irresponsible person, I have to say, I'm afraid. (You seem to be aware too so that's good I guess.)
What did you think when I told a story how to lose at credit cards? That I was financially responsible? Did you think I thought I was financially responsible. Honestly your comment states the obvious and is just rude, so no you did not "have to say" it I'm afraid. I bear the tolls my financial foolishness cost me. Keep your judgments in your head and do not
justify them with a smug
veil of concern ("I'm afraid" "good, I guess")