Make it a point of honor to owe no man, and you will thus enjoy peaceful slumbers, a quiet conscience, a contented life, and a happy death. The means of acquiring these precious results is to control your desires and appetites and to govern your expenditure by your income, not by your caprices. Our debts proceed from our ill-regulated, uncontrolled desires more than from our necessities, and consequently moderation is more profitable than the largest revenues.
--Louis de Granada, The Sinner's Guide
