If you can't pay for a thing, don't buy it. If you can't get paid for it, don't sell it.
Benjamin Franklin[T]he more public provisions were made for the poor, the less they provided for themselves, and of course became poorer . . . [taking] away from before their eyes the greatest of all inducements to industry, frugality, and sobriety, by giving them a dependence of somewhat else than a careful accumulation during youth and health for support in age and sickness.
Benjamin Franklin