"Poverty, we may say, surrounds a man with ready-made barriers, which if they do mournfully gall and hamper, do at least prescribe for him, and force on him, a sort of course and goal; a safe and beaten, though a circuitous, course. A great part of his guidance is secure against fatal error, is withdrawn from his control. The rich, again, has his whole life to guide, without goal or barrier, save of his own choosing, and, tempted, is too likely to guide it ill."

Source: Thomas Carlyle, Henry Duff Traill (2010). “The Works of Thomas Carlyle”, p.406, Cambridge University Press