Credit means that a certain confidence is given, and a certain trust reposed. Is that trust justified? And is that confidence wise? These are the cardinal questions. To put it more simply credit is a set of promises to pay; will those promises be kept?
Walter BagehotThe real essence of work is concentrated energy - people who really have that in a superior degree by nature are independent of the forms and habits and artifices by which less able and less active people are kept up to their labors.
Walter Bagehot