投资 · 创业者自述
塞缪尔·斯迈尔斯：节俭·摘录 270
塞缪尔·斯迈尔斯《节俭》· Thrift · 投资
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.
出处：
https://www.gutenberg.org/ebooks/14418
定位：Excerpt 270 · 核对日期：2026-10-19 · 核验：短摘录
白话
以这些目标建立储蓄银行，最终被视为国家大事；1817年通过一项法案，增加了银行数量并扩大了效用。此后又采取多种措施提高效率和安全性。然而，尽管这些机构成就巨大，收入较好的工人利用它们的程度仍然非常有限。据估计，劳动阶级每年挣四亿英镑，只有很小一部分进入储蓄银行，而花在啤酒馆和酒馆的钱至少是这个数的二十倍。这说明：制度再好，若人们不改变消费习惯，效果也有限；储蓄的敌人往往不是没有渠道，而是不必要的开销。
上下文
斯迈尔斯《节俭》中讲述储蓄银行获得国家立法支持后，仍面临工人参与度低的问题。
今日一问
你每年花在非必要消遣上的钱，是存下来的钱的多少倍？
公版作品；原文逐字取自 Project Gutenberg，仅摘录段落并附全书链接。
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