on and misery, full of sensibility, and suffering without a
fault. The creditor, it is never doubted, thrives without a merit. He has
no wife and children to pity. No one ever thinks it desirable that he
should have the means of living. He is a brute for insisting that he must
receive, in order to pay. It is not in the imagination of man to conceive
that his creditor has demands upon him which must be satisfied, and that
he must do to others as others must do to him. A creditor is a
personification of exaction. He is supposed to be always taking in, and
never giving out.

People idly fancy that the possession of riches is desirable. What
blindness! Spend and regale. Save a shilling and you lay it by for a
thief. The prudent men are the men that live beyond their means. Happen
what may, they are safe. They have taken time by the forelock. They have
anticipated fortune. "The wealthy fool, with gold in store," has only
denied himself so much enjoyment, which another will seize at his expense.
Look at these people in a panic. See who are the fools then. You know them
by their long faces. You may say, as one of them goes by in an agony of
apprehension, "There is a stupid fellow who fancied himself rich, because
he had fifty thousand dollars in bank." The history of the last ten years
has taught the moral, "spend and regale." Whatever is laid up beyond the
present hour, is put in jeopardy. There is no certainty but in instant
enjoyment. Look at schoolboys sharing a plum cake. The knowing ones eat,
as for a race; but a stupid fellow saves his portion; just nibbles a bit,
and "keeps the rest for another time." Most provident blockhead! The
others, when they have gobbled up their shares, set upon him, plunder him,
and thrash him for crying out.

Before the terms "depreciation," "suspension," and "going into
liquidation," were heard, there might have been some reason in the
practice of "laying up;" but now it denotes the darkest blindness. The
prudent men of the present time, are the men in debt. The tendency being
to sacrifice creditors to debtors, and the debtor party acquiring daily
new strength, everyone is in haste to get into the favored class. In any
case, the debtor is safe. He has put his enjoyments behind him; they are
safe; no turns of fortune can disturb them. The substance he has eaten up,
is irrecoverable. The future can not trouble his past. He has nothing to
apprehend. He has anticipated more than fortune would ev