"I did note this, and set it down as yet one more of life's injustices: that the man who has been wealthy is dunned more civilly than the fellow who has ever been poor. My creditors would come to me most graciously, diffident, if not downright apologetic, for asking what was theirs. It was as if I would be doing them a great, unlooked for kindness if only I would pay them a trifling sum on my outstanding debts. I would give them tea, and polite conversation, and, even when my answer to their just entreaty had to be a regretful, "Nothing, sir, " my mortification was always entirely self-inflicted, for their civility never failed"