No one's saying he's unwise to take the money. They're saying it's hypocritical.
No, he'd only be hypocritical if he criticized other candidates for taking the money that the system allows them to take. Instead, he's criticized the system.
This is yet another in a long line of rather absurd conservative "hypocrisy" arguments that all go like these:
Liberals complain about "intolerance." Therefore, they aren't allowed to criticize peoples' opinions because that is "intolerant."
Liberals say that wealthy people don't pay enough taxes. Therefore, wealthy liberals should donate their money to the government.
You spot the common fallacy. We shouldn't have to do it for you.
- wolf