"Borrowing may be reduced to a Science, or elevated to an Art. Borrowing an umbrella is a science; borrowing half-a-crown is an art. The man who begins with an umbrella may get to half-a-crown, or even five shillings.Some men are born borrowers, and some have borrowing thrust upon them; and some thrust borrowing upon other people. I made a man lend me twenty pounds for three months, by telling him that I would pay him punctually, and writing my name on a piece of paper. There is always a fool to be found somewhere. Sometimes lenders become unpleasant. One lender put me into gaol, and said I was a swindler. He had no appreciation for art."