It is an education in self-seeking at the expense of others, and no society whose citizens are trained in such a school can possibly rise above a very low grade of civilization." "What if you have to spend more than your card in any one year ?" I asked.
"The provision is so ample that we are more likely not to spend it all," replied Dr.Leete.

"But if extraordinary expenses should exhaust it, we can obtain a limited advance on the next year's credit, though this practice is not encouraged, and a heavy discount is charged to check it.

Of course if a man showed himself a reckless spendthrift he would receive his allowance monthly or weekly instead of yearly, or if necessary not be permitted to handle it all." "If you don't spend your allowance, I suppose it accumulates ?" "That is also permitted to a certain extent when a special outlay is anticipated.

But unless notice to the contrary is given, it is presumed that the citizen who does not fully expend his credit did not have occasion to do so, and the balance is turned into the general surplus." "Such a system does not encourage saving habits on the part of citizens," I said.
"It is not intended to," was the reply.

"The nation is rich, and does not wish the people to deprive themselves of any good thing.