"But who are we, really? Just a bundle of good genes and bad genes mixed with good habits and bad habits. And since there's no gene for coolness or confidence, then being uncool and unconfident are just bad habits, which can be changed with enough guidance and will power."

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We feel led to caution . . . against forming the bad habit of incurring debt and taking upon themselves obligations which frequently burden them heavier than they can bear, and lead to the loss of their homes and other possessions. We know it is the fashion of the age to use credit to the utmost limit. . . . We, therefore, repeat our counsel . . . to shun debt. Be content with moderate gains, and be not misled by illusory hopes of acquiring wealth. . . . Let our children also be taught habits of economy, and not to indulge in tastes which they cannot gratify without running into debt.

— Wilford Woodruff