@pilgrimschild I took you comment to be:
If you don't have deposit, + fees + emergency + extra cash you are financially irresponsible. (As a bit of emergency fund is a given)
@pilgrimschild Why?
It would be financially irresponsible to put their emergency fund into the mortgage. Or not have one at all.
But to not have any other cash left after deposit/fees isn't irresponsible.