...I'm not sure it is anything to do with 'spending beyond one's means' unless you mean spending too much on alcohol.
The term dipsomania is specifically linked to alcohol and not to other types of craving.
To be sure, and it can be easily noticed that many people have those bouts of thirst for alcohol, for whatever reason, typically having nothing to do with enjoying the beverages for flavor and culinary satisfaction. And most people don't even recognize the unreasonable nature of the habits.
Spending beyond means is often typical of habitual alcohol drinkers, cigarette smokers, recreational drug users and not to leave them out, gamblers. Then, being broke all the time spins off its own problems, especially within families where marriages and other social interactions, even friendships break down, sometimes involving criminal activities. Mutual trusts are often sacrificed to the cravings.
At 65, going on 66, I have seen far too many people suffer the consequences of these 'cravings'. My own family was a broken family, with parents divorced due to an alcoholic father who spent the bulk of his non-working hours in bars, spending much of his earnings, leaving his kids with shoes that had toes sticking out the end and lacking heals, and worse. I do not consider myself to have had a father, ever, only a mother.
For a while in my early youth and manhood, I too, found myself lulled into the same pattern as many others, but fortunately, saw the futility and 'stupidity' of it. I at one time, smoked cigarettes too. I quit that at an early age (thankfully I had the sense and will), and limited alcoholic beverage imbibing with a logical decision, to only use as a luxury item food supplement, usually only wine and beer. Else, I too, might be today, just another victim of the social prevalence of this 'dypsomania'.
IMHO.
