Your borrowers of books — those mutilators of collections, spoilers of the symmetry of shelves, and creators of odd volumes.
Charles Lamb (1775-1834) Welsh-English essayist
“The Two Races of Men,” Essays of Elia (1823)
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The old saying holds. Owe your banker £1000 and you are at his mercy; owe him £1 million and the position is reversed.
John Maynard Keynes (1883-1946) English economist
“Overseas Financial Policy in Stage III” (15 May 1945)
Unpublished memo distributed to the British Cabinet. Variant: "If you owe your bank a hundred pounds, you have a problem. But if you owe a million, it has."