Well Snoopy that question has opened a can of worms!
Lets put it this way - I am unemployed at the moment and have a wife and two children. Yet i still play online poker everyday (lucily i am winning enough to justify playing) - despite knowing that the financial risks could be serious for me. When i lose i lose and thats that - i don't blame the other players - i have made the decision to play and to gamble so therefore my actions are my fault.
However what i do is play SnG tournaments with low limit entry - £3.60 or £5.50 and occassionally £11 so that should i lose i can afford it (just) - this makes me around 40 - 50 quid a day most days - and keeps me in poker!
I know that should i lose then i may struggle for money - but the very fact that i don't lose very often keeps me playing becuase the belief in my ability is there.
The problem as i see it is that players who can't afford it playing higher limit stakes games are fools - they should stick to what their budget allows - its not about gambling with stupidity - its about gambling within your limits.
Someimes it hurts but i never ever blame my opponents - i play i gamble and if i lose then that is my fault and not yours or any other players.