I agree with what you said but will keep my own thoughts about such people because despite disposable income or not being bothered with a total loss themselves this is far from smart or responsible spending behavior. Turn it as you want, Stigbob paints it correctly...spending that much money is simply insane.
There is no 'responsible' or 'smart' part to spending disposable income. Some spend it on booze, or cigarettes. Others collect expensive stamps, hire prostitutes, buy more musical instruments than they can play or throw money at a game development studio. In the end it is noone's business, nor is it 'insane'. It only becomes insane when it is non-disposable income. Honestly, the 'spending much money on SC is insane' part seems to be driven to a large extent by a 'I despise CIG and hate seeing people give them money' sentiment.