"capital is the result of saving, and not of spending. The spendthrift who wastes his substance in riotous living decreases the capital of the country, and therefore the excuse often made for extravagance, that it is good for trade, is based upon false notions respecting capital."

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Where faith is not continually kept in motion and exercised, it weakens and decreases, so that it must indeed vanish; and yet we do not see nor feel this weakness ourselves, except in times of need and temptation, when unbelief rages too strongly; and yet for that very reason faith must have temptations in which it may battle and grow.

— Martin Luther