"A sound banker, alas, is not one who foresees danger and avoids it, but one who, when he is ruined, is ruined in a conventional and orthodox way along with his fellows, so that no one can really blame him. It is necessarily part of the business of a banker to maintain appearances, and to confess a conventional respectability, which is more than human. Life-long practices of this kind make them the most romantic and the least realistic of men."

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Now you say, alas! Christianity is hard; I grant it; but gainful and happy. I contemn the difficulty when I respect the advantage. The greatest labors that have answerable requitals are less than the least that have no regard. Believe me, when I look to the reward, I would not have the work easier. It is a good Master whom we serve, who not only pays, but gives; not after the proportion of our earnings, but of His own mercy.

— Joseph Hall