"As to the rout that is made about people who are ruined by extravagance, it is no matter to the nation that some individuals suffer. When so much general productive exertion is the consequence of luxury, the nation does not care though there are debtors; nay, they would not care though their creditors were there too."

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The most trifling actions that affect a man's credit are to be regarded. The sound of your hammer at five in the morning, or at nine at night, heard by a creditor, makes him easy six months longer; but if he sees you at the billiard-table, or hears your voice at a tavern, when you should be at work, he sends for his money the next day.

— Benjamin Franklin