Credit is a system whereby a person who can't pay gets another person who can't pay to guarantee that he can pay
money
Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.
advicecopperfielddebtdickensfrugalityincomemicawbermoneymotivationalpecuniary
Gold conjures up a mist about a man, more destructive of all his old senses and lulling to his feelings than the fumes of charcoal.
goldgreedmoney
[...] There are tales among us that you have sold yourself to the devil, and I know not what.''We all have, have we not?' returned the stranger, looking up. 'If we were fewer in number, perhaps he would give better wages.
moneyselling-soulwise-words
The civility which money will purchase, is rarely extended to those who have none.
Money and goods are certainly the best of references.