"There is no practice more dangerous than that of borrowing money…for when money can be had in this way, repayment is seldom thought of in time…Exertions to raise it by dint of industry ceases. It comes easy and is spent freely and many things indulged in that would never be thought of, if to be purchased by the sweat of the brow. In the mean time, the debt is accumulating like a snowball in rolling."