“These folk are not philosophers,” I said; “they have their little vanities, they are fond of finery, spend the little they earn on cutting a figure, and have not foresight enough to deprive themselves of a passing pleasure in order to lay by something against a day of real need. In short, they do not know how to use their money; they tell you they are in debt, and, though that may be true, it is not true that they will use the money you give them to pay what they owe. They take no thought of the morrow; they will agree to as high a rate of interest as may be asked, and with your money they will buy a hemp-field or a set of furniture so as to astonish their neighbours and make them jealous. Meanwhile their debts go on increasing year by year, and in the end they have to sell their hemp-field and their furniture, because the creditor, who is always one of themselves, calls for repayment or for more interest than they can furnish. Everything goes; the principal takes all their capital, just as the interest has taken all their income. Then you grow old and can work no longer; your children abandon you, because you have brought them up badly, and because they have the same passions and the same vanities as yourself. All you can do is to take a wallet and go from door to door to beg your bread, because you are used to bread and would die if you had to live on roots like the sorcerer Patience, that outcast of Nature, whom everybody hates and despises because he has not become a beggar.