No you should not feel guilty. My son is 25 and sounds just like yours. I spoke to Social Security about becoming his payee and the representative said No because he is competent although he is very wasteful. If I do not go to the bank with him on the first day of the month, it is a done deal. He is broke in days. He is obsessed with clothes and his music career but before it was marijuana every day. Today he asked for some money and when I said, “No.” His reply, “Why are you always broke.” lol but not funny. I nicely remained him that he spent his money so as long as he has food and shelter, I am not concerned about the rest of his wants. With regards to chores, I have to constantly remind him to take out the garbage, clean his room, and load and unload the dishwasher but I have gotten used to reminding him so it no longer frustrates me. The money thing works my nerves.