I feel it's just another tool in the box of platitudes that most people who don't have the life experience needed to have constructive conversation about this kind of topic reach for by instinct. I haven't had people say this to me so I don't really have much to offer experientially, but wouldn't it depend totally on the departed person in question? My best friend died of suicide six years ago. I'm pretty sure the person he was right before that happened wouldn't have expected anyone to live beyond their means, given he clearly wasn't able to. Maybe who he was before what cause his descent would've answered differently. Or if there was some kind of afterlife version, it might be yet another answer.
Anyway, as I said, basically no one indulges me when I try to talk about these things, but if/when they give me crappy reactions, my general MO is to go Socratic on them - ie. lead them to realise and say what they just said or think is dumb and/or wrong. I find it far more effective and satisfying than counter-arguing, generally.
