1) The use of "acabarse" depends on what you want to say.
· Se me acabó el dinero. -> I ran out of money. (It happened to me.)
· Me acabé el dinero. -> I spent all my money. (I did it.)
"Acabó el dinero" doesn't make much sense. I think that anything that suggests an idea of wearing out or wasting away needs the pronominal.
But sometimes you can use the verb with or without the pronominal without altering the meaning of the sentence. "Se" adds emphasis in those cases.
- ¿Ya (se) acabó la película? -> Is the movie over?
- ¡Acaba/acábate la sopa! -> Finish your soup now!
- (Me) acabo de encontrar a Pedro en el elevador. -> I have just met Pedro in the elevator.
And there are cases when you must not use the pronominal. Like when you accomplish something.
- Mamá, ya acabé la tarea. -> Mom, I've finished my homework. (The difference with the soup one is that the "se" stresses that you swallow it and it kind of becomes a part of you, while the homework stays "apart" from you.)
- No he acabado el reporte y el jefe lo necesita en diez minutos. -> I haven't finished the report and the boss needs it in ten minutes.
- Parecía que el corredor no iba a acabar la carrera. -> We thought the runner wouldn't finish the race.
2) Sometimes people are de-personalized.
Seriously, I think it's a mistake.