The confidence is strictly personal.

His neighbours know him, and trust him because they know him.

They see daily his manner of life, and judge from it that their confidence is deserved.

In rural districts, and in former times, it was difficult for a man to ruin himself except at the place in which he lived; for the most part he spent his money there, and speculated there if he speculated at all.

Those who lived there also would soon see if he was acting in a manner to shake their confidence.