I think youre viewing things through a financial lense, and it is IMO the wrong way to be making decisions for yourself.
Does being a billionaire make coccaine addiction okay? I mean, I'm okay with that addiction and the impacts it makes on my body and life. But not because i am rich and afford can afford it. I just like how I feel when I use. Which is not often because im broke, although I probably wouldnt use much more if I had free access.
Long story short, make decisions for yourself because its what you want to do, not because of how expensive or cheap it is.
Do what you want with your own body of course dont let me tell you how to live.