I will deliver my own experience concerning this affair.
I have since my emergence from childhood lived in three sorts of conditions.

The first, which continued for some twenty years, I passed over without any other means but what were casual and depending upon the allowance and assistance of others, without stint, but without certain revenue.

I then spent my money so much the more cheerfully, and with so much the less care how it went, as it wholly depended upon my overconfidence of fortune.

I never lived more at my ease; I never had the repulse of finding the purse of any of my friends shut against me, having enjoined myself this necessity above all other necessities whatever, by no means to fail of payment at the appointed time, which also they have a thousand times respited, seeing how careful I was to satisfy them; so that I practised at once a thrifty, and withal a kind of alluring, honesty.

I naturally feel a kind of pleasure in paying, as if I eased my shoulders of a troublesome weight and freed myself from an image of slavery; as also that I find a ravishing kind of satisfaction in pleasing another and doing a just action.