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When the shopkeeper, on the strength of a prosperous year and
favourable prospects, has yielded to his wife's persuasions, and
replaced the old furniture with new, at an outlay greater than his
income covers--when, instead of the hoped-for increase, the next year
brings a decrease in his returns--when he finds that his expenses are
out-running his revenue; then does he fall under the strongest
temptation to adopt some newly-introduced adulteration or other
malpractice. When, having by display gained a certain recognition, the
wholesale trader begins to give dinners appropriate only to those of ten
times his income, with expensive other entertainments to match--when,
having for a time carried on this style at a cost greater than he can
afford, he finds that he cannot discontinue it without giving up his
position: then is he most strongly prompted to enter into larger
transactions; to trade beyond his means; to seek undue credit; to get
into that ever-complicating series of misdeeds, which ends in
disgraceful bankruptcy.


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