No More Learning

If you can-
not pay at the time, you will be ashamed to see your creditor;
you will be in fear when you speak to him; you will make poor,
pitiful, sneaking excuses, and by degrees come to lose your ve-
racity and sink into base           lying; for The second vice
is lying, the first is running in debt,' as Poor Richard says: and
again to the same purpose, Lying rides upon Debt's back;'
whereas a free-born Englishman ought not to be ashamed nor
afraid to see or speak to any man living.