I like the quote, "If I were going to pay for my friends, then I certainly did not pay enough."
Think nothing of those who do not understand the Greek Life and make futile attemts to make explanations for us. It is not about money (the money is only for insurance, parties etc). They just dont know, so pay no heed to them. It would be like me going to the man who fills my car with gasoline, and asking him to teach me an advanced business class. It just makes no sense.
As for time/friends ratio... a fraternity/sorority is like a family. What better place is there to be except in the presence of those who love you?
As for what to say,
Just ignore them and tell them they have no idea, and and shold not speak about things of which they have no concept.
Hope this helps,
Easy E
www.angelfire.com/va2/gammachi