Not so very long ago the moral climate in this country was very different. People had more time for each other, and more time to examine and compare their own moral standards with others. One of the many results of this was an almost unspoken pride in making your own way through life without looking for handouts from the state or elsewhere.
This resulted in a high degree of poverty in the working classes and the unemployed with their determination to be in debt to no one, but also a resolve in the so-called middle and upper classes to avoid financial embarrassment. The lowest point of this loss of face was a declaration of bankruptcy the shame which this carried with it is difficult to comprehend nowadays, but it was very real then. People lived (often very precariously) within their means and a failed business venture was a usual reason for total loss of credit.
Credit even that word has undergone a subtle change of meaning. It used to be a means for businessmen to raise funds for expansion or a new venture, and was a word with very limited use outside the business world. Nowadays credit is more often taken to mean the opportunities for individuals to spend...
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