The wealthy client previously sought wordly pleasures to satisfy himself, money just allowed more opportunities, and through those it became noticed by the accountant.
The obese woman's committed adultery in her heart prior to its physical manifestation. She became aware of opportunities to act on it, but her desire was already existent before these appeared.
You say that you are thankful you have limited time and money, which otherwise could lead to problems. The real question here is virtue. Let's use a simple example. Would you commit “X” crime for $1? Likely answer is no. Some people out there will answer yes. Now the question again, this time with $100. Results will differ between people. Again with $10,000. Again with $100,000. Now $10,000,000 and so forth. However, the truth is it was never about the money. Someone with virtue, and integrity will deny the money regardless of the number.
Being thankful is good though, I don't disparage that. However, you needn't worry about what you haven't done. In fact your very awareness of how you might spend such resource and hope that it would be put to good use shows virtue, not lack of. However, those in Christ have the Holy Spirit and as such would be guided to use the resource in the best way. If any mistakes were made the Spirit would let you know, then you grow.
Spare time and money aren't the cause here, they are an accelerant. That is all.
Lust was two of your example cases, such a vice can be accessed from anywhere in the world, within seconds on cheap hardware for free because of the internet. But so can educational content, wholesome inspiring content and, constructive media which builds rather than destroys. The problem is an internal one of intention and the choice to do good or do evil is always there regardless of scale or publicity.
I disagree with your “dabbling” example, it reads as if you down-play one addiction in comparison to another. There is no such thing as a part-time slave. Evil is evil, there is no halfway. Those who are in the realm of the flesh cannot please God.
You do not want to fall into the trap of thinking that certain circumstances are divine judgement. This was the point of the story of Job. Just because He lost all He had, it was no indication of wrong-doing or deserving of such a situation. Such a belief can be devastating. When expanded in its simplest form it leaves the idea of the poor deserving to be poor and the rich as ultimately righteous. This failed logic happens because its on the faulty logic basis of that all is perfect right now and that sadly isn't the case, not yet. It also ignores the long-term. Not all things make sense right this second, and perhaps some of those things will never make sense until major changes and well after the fact.
The solution as always is to love God with all your heart and love your neighbour as yourself. Once we do this, we trust in our Father in Heaven, and know everything will be alright, regardless of any apparent current circumstance. He is above all circumstance. It is His love that keeps
thevapetown us right. We are blessed and shall not lack.
