^^^ Yeah, that's pretty much how I see it.
There are certainly lines to be crossed, but to define them....well, mooching is like obscenity, 'I know it when I see it.'
I once let a fellow sleep on my couch for a couple of months because he didn't have a job and had nowhere to go. It didn't bother me in the least. This guy had nothing and I did, so, I shared.
Once I got him a job and he started making money, he continued to sleep on my couch despite the fact that he had couple of really big paychecks in his pocket (I know. I did the payroll) This guy had money as did I, but he continued to abuse my good will, so, he was mooching.