اسأل أيّ غنيّ عاقل يُحسن التدبير: إلى أيّ الفريقين أقرض الجانب الأكبر من ماله، أإلى من يظنّ أنهم سيستثمرونه بربح، أم إلى من سينفقونه بلا غاية؟ فسيضحك منك لأنك طرحت السؤال أصلًا.

“Ask any rich man of common prudence to which of the two sorts of people he has lent the greater part of his stock, to those who, he thinks, will employ it profitably, or to those who will spend it idly, and he will laugh at you for proposing the question.”Adam Smith — An Inquiry Into the Nature and Causes of the Wealth of Nations With a Life of the Author: Also a View of the Doctrine of Smith, Compared with that of the French Economists, with a Method of Facilitating the Study of His Works, from the French of M. Jariner (1843)