In my youth, I traveled much, and I observed in different countries, that the more public provisions were made for the poor, the less they provided for themselves, and of course became poorer. And, on the contrary, the less was done for them, the more they did for themselves, and became richer.
Benjamin FranklinWhile the path to wealth is clearly marked, few are willing to adapt themselves to the modest discipline that the journey requires. Instead, most choose the shinier track of debt-driven consumption, which they find further along is covered in vines and thorns.
Benjamin Franklin