I dont think that irresponsible is how I would discribe Gareths move - I think that its a fantastic way to look at life, you dont have to die with the most toys or money to have won the game.
besides which, most people accumulate wealth/property/toys to hand-off to their children when they die... it's not like Gareth needs to think about providing for his now does it?!
Good on him, not what i'd probably do, but each to their own
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