Such lavish expenditure is a natural consequence of a state of society where wealth is the main distinction. Mrs. John Smith's position as a leader of the _ton_ is due exclusively to her great riches and her elaborate displays. Mrs. Richard Roe will naturally try to outshine her, and thus rise above her in the social scale. Many persons seeking admission into such society, and finding wealth the only requisite, will make any sacrifice to accomplish their end. If they have not wealth they will affect to have it. They could not counterfeit good birth, or high breeding, but they can assume the appearance of being wealthy. They can conduct themselves, for a while at least, in a manner utterly disproportioned to their means, and so they go on, until their funds and credit being exhausted, they are forced to drop out of the circles in which they have moved, and the so-called friends who valued them only for their supposed wealth, instantly forget that they ever knew them. No more invitations are left for them, they are not even tolerated in "good society," and are "cut" on the street as a matter of course. Not a year passes but records the failure of some prominent business man in New York. His friends are sorry for him, and admit that he was prudent and industrious in his business. "His family did it," they tell you, shaking their heads. "They lived too fast. Took too much money to run the house, to dress, and to keep up in society." Only the All Seeing Eye can tell how many men who stand well in the mercantile community are tortured continually by the thought that their extravagance or that of their families is bringing them to sure and certain ruin; for not even in New York can a man live beyond his actual means. They have not the moral courage to live within their legitimate incomes. To do so would be to lose their positions in society, and they go on straining every nerve to meet the demands upon them, and then the crash comes, and they are ruined.