"Nothing can better demonstrate the collective dulness of our community, the crying need for a strenuous intellectual renewal than the consideration of that vast mass of useless, uncomfortable, under-educated, under-trained and altogether pitiable people we contemplate when we use that inaccurate and misleading term, the Lower Middle Class. A great proportion of the lower middle class should properly be assigned to the unemployed and the unemployable. They are only not that, because the possession of some small hoard of money, savings during a period of wage earning, an insurance policy or suchlike capital, prevents a direct appeal to the rates. But they are doing little or nothing for the community in return for what they consume; they have no understanding of any relation of service to the community, they have never been trained nor their imaginations touched to any social purpose. A great proportion of small shopkeepers, for example, are people who have, through the inefficiency that comes from inadequate training and sheer aimlessness, or improvements in machinery or the drift of trade, been thrown out of employment, and who set up in needless shops as a method of eking out the savings upon which they count. They contrive to make sixty or seventy per cent, of their expenditure, the rest is drawn from the shrinking capital. Essentially their lives are failures, not the sharp and tragic failure of the labourer who gets out of work and starves, but a slow, chronic process of consecutive small losses which may end if the individual is exceptionally fortunate in an impoverished death bed before actual bankruptcy or destitution supervenes. Their chances of ascendant means are less in their shops than in any lottery that was ever planned. The secular development of transit and communications has made the organisation of distributing businesses upon large and economical lines, inevitable; except in the chaotic confusions of newly opened countries, the day when a man might earn an independent living by unskilled or practically unskilled retailing has gone for ever. Yet every year sees the melancholy procession towards petty bankruptcy and imprisonment for debt go on, and there is no statesmanship in us to avert it. Every issue of every trade journal has its four or five columns of abridged bankruptcy proceedings, nearly every item in which means the final collapse of another struggling family upon the resources of the community, and continually a fresh supply of superfluous artisans and shop assistants, coming out of employment with savings or 'help' from relations, of widows with a husband's insurance money, of the ill-trained sons of parsimonious fathers, replaces the fallen in the ill-equipped, jerry-built shops that everywhere abound...."