Yes it's actually very ignorant. "Bailing" out private persons as a part of harm-reduction saves extreme amounts of money, you can read up on it as it's the system in place in Switzerland. They even give out free drugs to addicts to re-integrate them in the workforce via social-workers. By your argumentation the genetically frail and fat people also shouldn't be bailed out, but both deserve a chance ( I at least hope we can agree here ).
And if they deserve a chance so do drug-addicts.

Bailing out ( weak ) private persons is fine, bailing out corporations is not. Bailing out corporations is not capitalism, but bailing out private persons is very much what Hayek advocated for and unlike Keynes or Friedmann he wanted real competetive capitalism, that punishes you for malinvestments.