Righteousness, or justice, is, undoubtedly of all the virtues, the surest foundation on which to create and establish a new state. But there are two nobler virtues, industry and frugality, which tend more to increase the wealth, power and grandeur of the community, than all the others without them.
Benjamin FranklinIf you would know the value of money; go, and try to borrow some! For, he that goes a borrowing, goes a sorrowing! and indeed, so does he that lends to such people, when he goes to get it in again!
Benjamin Franklin