en lacks intellectual development, and usually has little capital
to start with. The city youth knows the city ways and possesses the
asset of acquaintances and friendships, if not of capital, in the
place where he expects to make a living. He is helped to success if
the way is prepared for him by relatives who have attained place and
property, but he is as often cursed by having more money and more
liberty than is good for him, while still in his irresponsible years.
No place is secure until the young man has proved his personal worth,
whether he is from the city or the country and has come up out of
poverty or from a home of wealth.

222. =Sources of Wealth.=--The large majority of persons of wealth
have won or inherited their property from the economic industries of
manufacturing, trade, commerce, and transportation, or real estate.
Certain individuals have been fortunate in their mining or
public-service investments; others make a large income as corporation
officials, lawyers, physicians, engineers, and architects, but most of
them have attained their success as capitalists, and they are able to
maintain a position of prominence and ease because they use rather
than hoard their wealth. It is easy to underestimate the usefulness of
human beings who finance the world of industry, and in estimating the
returns that are due to members of the various social classes this
form of public service that is so essential to the prosperity of all
must receive recognition.

223. =How They Live.=--Unfortunately, the possession of money
furnishes a constant temptation to self-indulgence which, if carried
far, is destructive of personal health and character, weakens family
affection, and threatens the solidarity of society. The dwelling-house
is costly and the furnishings are expensive. A retinue of servants
performs many useless functions in the operation of the establishment.
Ostentation often carried to the point of vulgarity marks habits of
speech, of dress, and of conduct both within and outside of the home.
Every member of the family has his own friends and interests and
usually his own share of the family allowance. The adults of the
family are unreasonably busy with social functions that are not worth
their up-keep; the children are coddled and supplied with predigested
culture in schools that cater to the trade, and if they are not
spoiled in the process of preparation go on to college as a form of
social recreation. Ther