To say then, the majority are wicked, means no malice, no bad heart in the observer, but, simply that the majority are unripe, andhave not yet come to themselves, do not yet know their opinion.
A penny here, and a dollar there, placed at interest, goes on accumulating, and in this way the desired result is attained. It requires some training, perhaps, to accomplish this economy, but when once used to it, you will find there is more satisfaction in rational saving than in irrational spending.