The Son in law is who is pictured. Don't think RRR was passing judgement but offering that when something is important to a person they should be willing to make sacrifices to maintain that which is important. Quitting smoking is not likely going to make a huge difference of course, but I get what RRR is saying.
As far as your quote? Very good. Need is need and it matters not how that need is presented.
We have a family member that like clockwork asks for money. Of late the requests have been in the form of unsecured loans. Not one dime has been repaid, so for us it is a gift regardless of the wrapping it is tendered under.
Tom