if this was my son and he was 22 I would not do anything because according to USA law at age 18 he became an adult capable of handling his own affairs including his mental and physical health and his having a job or not right down to how he wants to spend his money. I certainly would not want my parents telling me how to spend the money that they gave me or that I earned through work and so on. if this was my son all I can hope for was that he would spend it wisely and if not that is up to him but if he came to me to barrow money I am well within my rights to have him earn and or pay back that money by doing something to help out around the house or wahtever because my giving him the money means thats less that I can do or have for running the house, groceries, electric and so on. but once I hand over that money to him it is his to do what he wants with it.and there is nothing that I can do to force him to spend his money or the money that I give him on things that - I - would deem acceptable.

Bottom line your son is by law an adult not a child. therefore you can't do anything about the situation other than whether or not you continue to hand over the money and whether or not you place earning that money by chores and so on to help you on him at the time you give him the money.