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The excerpt represents the core issue or deciding factor on which you must meditate, and is drawn from Plain Tales from the Hills by Rudyard Kipling: again he was asked out to dinner where he got both a punkah and an
iced drink. But this was seldom, for people objected to recognizing
a boy who had evidently the instincts of a Scotch tallow-chandler,
and who lived in such a nasty fashion. Dicky could not subscribe to
any amusement, so he found no amusement except the pleasure of
turning over his Bank-book and reading what it said about "loans on
approved security." That cost nothing. He remitted through a
Bombay Bank, by the way, and the Station knew nothing of his private
affairs.
Every month he sent Home all he could possibly spare for his wife--
and for another reason which was expected to explain itself shortly
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