>

If you're using it for cover, why not?
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he talks about his salary in the books, it was a fairly modest civil servant stipend, plus an unlimited overseas expense account . >

Seeing as how the glamorous stuff is often part of his cover, that makes sense for a field agent. Often he's infiltrating exotic locales and targeting higher society individuals. Can't have the card declining undercover.
Though I do remember that one scene in Quantum where he forces his MI6 wrangler to let them stay in a more upscale hotel than the dump she took him too, to the point he revises their  cover story to teachers "that just won the lottery".
I think he has a bit of personal wealth too from various occasions. The Aston Martin DB5, for example, belongs to him, not M16. On the occasion of his retirement, he seems to be living well. >

In Skyfall it’s implied that his family was wealthy. >

I mean the family’s country estate was more than just implied, as they spent the entire finale there. >

Wait, wasn't it established in Casino Royale that he grew up poor, and that the rich college kids made fun of him for it? >

Considering the alternative is the destruction of England with a stolen nuclear device, I think the Queen will rubber stamp his reimbursement paperwork. >

Clearly you’ve never had to submit a civil service expenses claim without prior approval!
Vodka Martini? I’m sorry 007 but your per diem won’t cover that.