It's irresponsible to waste other people's money.
Tom is out at the park with his parents, and he sees an ice cream truck driving by.
Tom wants an ice cream cone.
Tom uses some money he has saved up from mowing laws to buy himself an ice cream cone.
Tom takes money from his mom's purse and buys several ice cream treats for himself.
Tom thoroughly enjoys eating the delicious ice cream.
Tom gets scolded by his mother for spending her money without asking.