"I was originally supposed to become an engineer but the thought of having to expend my creative energy on things that make practical everyday life even more refined, with a loathsome capital gain as the goal, was unbearable to me."

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The public psychology of going into debt for gain passes through several more or less distinct phases: (a) the lure of big prospective dividends or gains in income in the remote future; (b) the hope of selling at a profit, and realizing a capital gain in the immediate future; (c) the vogue of reckless promotions, taking advantage of the habituation of the public to great expectations; (d) the development of downright fraud, imposing on a public which had grown credulous and gullible.

— Irving Fisher