I'd say it's less about being financially irresponsible/lazy, and more about WHY you care about what other people think about you.
If you want a cleaner, and can afford one, great, get one. If your friends are likely to judge you for that, say whatever you want: I can't be arsed/I don't have time/it's too hard for me/if you think it's so terrible then you come and clean my flat for free for me.
It's very liberating, you see :)
I had cleaners in a 2 small bed flat when M.E. was really kicking my arse; it was £60 a week because they sent x2 women for 2 hours. I don't think cleaning companies are all that happy sending one woman to a property alone anymore? Maybe it's a safety thing.
They spent half their time talking to me and wasting cleaning time. Then we moved and I didn't have to deal with the stress of asking them to buck their ideas up/getting different cleaners in.
I've briefly had two since: had the same problem again, and a lady who was so painfully slow that I couldn't cope having her in the house and seeing the lack of productivity.
Now we live in a mostly dusty house and I do what I can, when I can, and I no longer let myself get upset at the fact that it's impossible for this house to be truly clean.
Anybody who wants to judge can come at me, or alternatively spend the £2k it would take to get my floors professionally cleaned so they actually look clean and can be maintained that way, and then another 5k replacing two absolutely vile bathroom floors, so that cleaning the rest of the house actually feels worth it.
Shrug.