“Mortgages were less about getting people into property than getting them into debt. Someone had to absorb the surplus supply of credit.”

“Many more people could ride out the storm-tossed waves in their economic lives if they had their year's supply of food…and were debt-free. Today we find that many have followed this counsel in reverse: they have at least a year's supply of debt and are food-free.”

“It is amazing how much people can get done if they do not worry about who gets the credit.”

“all loans, in the eyes of honest borrowers, must eventually he repaid. All credit is debt. Proposals for an increased volume of credit, therefore, are merely another name for proposals for an increased burden of debt. They would seem considerably less inviting if they were habitually referred to by the second name instead of by the first.”

“A friend is more concerned about helping people than getting credit. A friend cares. A friend loves. A friend listens. And a friend reaches out.”

“Surplus meant unnecessary. Not required.You couldn’t be a Surplus if you were needed by someone else. You couldn’t be a Surplus if you were loved.”