"One of the most mischievous phrases in which a rotten Morality, a radically false and vicious Public Sentiment, disguise themselves, is that which characterizes certain individuals as destitute of financial capacity. A 'kind, amiable, generous, good sort of man,' (so runs the varnish,) 'but utterly unqualified for the management of his own finances'--'a mere child in everything relating to money,' &c. &c.--meaning that with an income of $500 a year, he persisted in spending $1000; or with an income of from $2000 to $3000, he regularly spent from $5000 to $8000, according to his ability to run in debt, or the credulity of others in trusting him. "The victims of this immorality--debtor as well as creditor--are entitled to more faithful dealing at the hands of those not directly affected by the misdemeanors of the former. It is the duty of the community to rebuke and repress these pernicious glosses, making the truth heard and felt, that inordinate expenditure is knavery and crime. No man has a moral right thus to lavish on his own appetites, money which he has not earned, and does not really need. If public opinion were sound on this subject--if a man living beyond his means, when his means were commensurate with his real needs, were subjected to the reprehension he deserves--the evil would be instantly checked, and ultimately eradicated. "The world is full of people who can't imagine why they don't prosper like their neighbors, when the real obstacle is not in the banks nor tariffs, in bad public policy nor hard times, but in their own extravagance and heedless ostentation. The young mechanic or clerk marries and takes a house, which he proceeds to furnish twice as expensively as he can afford; and then his wife, instead of taking hold to help him earn a livelihood by doing her own work, must have a hired servant to help her spend his limited earnings. Ten years afterward, you will find him struggling on under a double load of debts and children, wondering why the luck was always against him, while his friends regret his unhappy destitution of financial ability. Had they, from the first, been frank and honest, he need not have been so unlucky.