I agree that calling it a character flaw implies the person cannot change this. I think anyone with this problem can work on it to improve themselves. Then the question comes up is can the person “cure” themselves of poor judgement. Personally, I think this may not be possible. So there is an aspect of this that may be a perminant part of the problem. Perhaps with some people it is a character flaw? With others it may be there for some other reason, like the lack of discipline and effort in analyzing a situation and following through. I do think when it happens during a manic episode, it is caused by BP. I imagine this can include depression. But when symptom free, I think the reason may be found elsewhere.