I can see why a person who struggles with financial responsibility might find financial irresponsibility in a potential life partner a dealbreaker. Even if you loved them to the moon and back, expecting them to miraculously change in order to balance your weakness seems...well... a bit unrealistic. I'm not saying it's impossible, but I wouldn't give betting odds on that relationship's survival.
Along with early recognition of general red flags, early recognition of our own weaknesses in potential partners is a great thing - it helps us avoid catastrophe. Whether or not you say (or don't say) that you love those people is irrelevant.
One thing I've learned - love does not conquer all.
