By the certain effect of all those vices, he ruins his fortune, consumes his health, and terminates his life in all the agonies of sickness and of poverty.
Q.From what you say, one would think that poverty was a vice?
A.No, it is not a vice; but it is still less a virtue, for it is by far more ready to injure than to be useful; it is even commonly the result, or the beginning of vice, for the effect of all individual vices is to lead to indigence, and to the privation of the necessaries of life; and when a man is in want of necessaries, he is tempted to procure them by vicious means, that is to say, by means injurious to society.

All the individual virtues tend, on the contrary, to procure to a man an abundant subsistence; and when he has more than he can consume, it is much easier for him to give to others, and to practice the actions useful to society.
Q.Do you look upon opulence as a virtue?
A.No; but still less as a vice: it is the use alone of wealth that can be called virtuous or vicious, according as it is serviceable or prejudicial to man and to society.

Wealth is an instrument, the use and employment alone of which determine its virtue or vice..