"American humorist Kin Hubbard said , "It ain't no disgrace to be poor, but it might as well be". The meanest eating or drinking establishment, owned by a man who is himself poor, is very likely to have a sign on its wall asking this cruel question: "If you're so smart, why ain't you rich?" Americans, like human beings everywhere, believe many things that are obviously untrue... Their most destructive untruth is that it is very easy for any American to make money. They will not acknowledge how in fact hard money is to come by, and, therefore, those who have no money blame and blame and blame themselves. This inward blame has been a treasure for the rich and powerful, who have had to do less for their poor, publicly and privately, than any other ruling class since, say, Napoleonic times. Many novelties have come from America. The most startling of these, a thing without precedent is a mass of undignified poor. They do not love one another because they do not love themselves."