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"Bankruptcy is perhaps the greatest and most humiliating calamity which can befall an innocent man. The greater part of men, therefore, are sufficiently careful to avoid it. Some, indeed, do not avoid it; as some do not avoid the gallows." A ....

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... time gave little if any help towards what was to be his lifework.' Smith was not happy with the money that was being spent toward an education that was not stimulating his needs at the time. He left Oxford in 1746 due to the lack of intellectual stimulation, but not before expressing his views. "Smith's hostility to Oxford's educational inefficiency and expensiveness is well brought out in his letters of this period: Adam Smith to William Smith 'at the Duke of Argyle's House in Brutin St. Oxon: August 24, 1740. Sir, I yesterday receiv'd your letter with a bill of sixteen pounds enclos'd for which I humbly thank you, but more for ...