" The fear of poverty ever did, and ever will, make scamps of men. We would like to be faithful, and noble, and just, only really times are so bad that we cannot afford it! As Becky Sharp says, it is so easy to be good and noble on five thousand a year, so very hard to be it on the mere five. If Judas had only been a well-to-do man, he might have been Saint Judas this day, instead of cursed Judas. He was not bad. He had only one failing — the failing that makes the difference between a saint and a villain, all the world over — he was a coward; he was afraid of being poor.) "

― Jerome K. Jerome , Works of Jerome Klapka Jerome