I don't think there is a difference!! (Just kidding.) I think the answer is to have a good look at the longer term picture. To what extent have these tendencies been there in the much longer term?
I think it is more likely to be MLC if there has been a significant personality change - ie: someone was very cautious and responsible previously and has become the polar opposite.
The good news with MLC is that the pendulum is likely to swing back towards more normal behaviour - though it may well take a good deal of time.
Take care xx
T 13 M 7 Me 48 H 46 SS 15 BD 7.14 PA D final 5.16 (H filed)
We receive & we lose, and must try to achieve gratitude & embrace with whole hearts whatever of life that remains after the losses - Dubus