Not necessarily. I think it has much to do with the nature of the person who possess it. When easy money comes to frugal people, they generally don't change their personality and become big spenders, they just celebrate their gain. On the other hand, individuals who are prone to poor spending habits do not react much as to whether the money they came by was easy or hard. Either way, they are going to spend it and save little if any of it. So the basis for the problem lies more with the individual makeup than anything else.