The moral answer is simply provided in a prayer for peace on earth though life as a question opposed to death as the answer provides meaning with morality in the middle. From generation to generation the picture exposed is one of how do the ends meet being justified by the right inclination and gradient in between. The richer consideration is one of loyalty honesty courtesy which derive and evolve to produce morality.

The poorer explanation on the other hand is why self satisfies the need for enjoyment and glorification. Because we have to account for our needs and requirements monetarily the financial dilemma is one of wasted time and un-productivity. If I should satisfy my needs financially I am worse off in the long run chronologically.

For gratification of sexual desires and material possessions I sacrifice the benefit of longevity. For the explanation of what the moral question is, is self explained in the answer. What are my pressing priorities and what am I prepared to pay and at what cost for the benefit of time and money to further humanity and regenerate and contribute to the population intelligently and successfully to industrialise the purpose.