Nobody would understand it, or confide in it.

Credit is a power which may grow, but cannot be constructed.

Those who live under a great and firm system of credit must consider that if they break up that one they will never see another, for it will take years upon years to make a successor to it.
On this account, I do not suggest that we should return to a natural or many-reserve system of banking.

I should only incur useless ridicule if I did suggest it.

Nor can I propose that we should adopt the simple and straightforward expedient by which the French have extricated themselves from the same difficulty.