“The rich are not really a bad lot. We must not judge by appearances. If it weren't for their money they would be indistinguishable from the rest of us.”

""Annual Report of the League for Improving the Lives of the Rich" in The Crow's Nest (1921)
Context: The rich are not really a bad lot. We must not judge by appearances. If it weren't for their money they would be indistinguishable from the rest of us. But money brings out their weaknesses, naturally. Would it not bring out ours? A moderate addiction to money may not always be hurtful; but when taken in excess it is nearly always bad for the health, it limits one's chance of indulging in nice simple pleasures, and in many cases it lowers the whole moral tone. The rich admit this — of each other; but what can they do? Once a man has begun to accumulate money, it is unnatural to stop. He actually gets in a state where he wants more and more.
This may seem incomprehensible to those who have never suffered from affluence, and yet they would feel the same way, in a millionaire's place. A man begins by thinking that he can have money without being its victim. He will admit that other men addicted to wealth find it hard to be moderate, but he always is convinced that he is different and has more self-control. But the growth of an appetite is determined by nature, not men, and this is as true of getting money as of anything else. As soon as a man is used to a certain amount, no matter how large, his ideas of what is suitable expand. That is the way men are made.