Samuel Smiles：Thrift, Excerpt 295

It is clear, therefore, that the Penny Bank reaches a class of persons of very small means, whose ability to save is much less than that of the highly-paid workman, and who, if the money were left in their pockets, would in most cases spend it in the nearest public-house. Hence, when a Penny Bank was established at Putney, and the deposits were added up at the end of the first year, a brewer, who was on the committee, made the remark, "Well, that represents thirty thousand pints of beer _not drunk_."

Source： https://www.gutenberg.org/ebooks/14418
Locator：Excerpt 295 · Verified：2026-10-19 · Verification：Short excerpt

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