"Still another one of them coiling about you incites and forms in you a strong magnetic desire to pursue wealth, even by the most unfair or illegal means and methods, destroying in you your finer human feelings. It brings out in you the primitive instinct to plot the undoing of your fellow man to gain his property. It not only distorts your good resolutions, but in many of your individuals and nations, it creates greed to the point that a promise, a contract, or a treaty, no matter how inviolable, is with impunity cancelled or broken. "How many of you can conscientiously plead innocent to your own selves that you at no time illegally or immorally benefited from your fellow man? Many of you boast how smart you are in cheating your friend. "Desire for money has blunted your moral views to the point that many of you do not know or do not want to know what a moral sin may be. It has created among you many flatterers, and hypocrites. Many of you join ultra-exclusive clubs, orders, lodges, and other similar organizations solely for this purpose. Some of you even choose your religions with these motives. "For money, you even subdue your natural love instinct. The craving for money makes many of you desire, and some of you execute the death of your nearest and dearest relatives or friends, in order to enable you to inherit his property or to cash in on his life insurance policy. "Those of you who have developed in yourselves the habit of thriftiness are very gullible. You deposit your savings in banks, for interest earnings and safety. A great many of you have lost your life's savings through dishonest mismanagement of these banks, or other mediums of savings.