Samuel Smiles：Thrift, Excerpt 270

The establishment of savings banks with these objects, at length began to be recognized as a matter of national concern; and in 1817 an Act was passed which served to increase their number and extend their usefulness. Various measures have since been adopted with the object of increasing their efficiency and security. But notwithstanding the great good which these institutions have accomplished, it is still obvious that the better-paid classes of workpeople avail themselves of them to only a very limited extent. A very small portion of the four hundred millions estimated to be annually earned by the working classes finds its way to the savings bank, while at least twenty times the amount is spent annually at the beershop and the public-house.

Source： https://www.gutenberg.org/ebooks/14418
Locator：Excerpt 270 · Verified：2026-10-19 · Verification：Short excerpt

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