"Even business is harmed by the disposition to heedless action. The source of every speculative mania, besides corruptingly low interest rates, is the drive to do too much with too little. Investing one's own capital may occupy four hours a day. Trying to fill the other four, and to operate on a grander scale, restless people incur debt; it ruins them. If they could only have sat idle the other four hours, they would have been rich men."

–Bagehot, Collected Works, 7:125