Those who made the laws have apparently supposed, that every deficiency of
payment is the crime of the debtor. But the truth is, that the creditor
always shares the act, and often more than shares the guilt, of improper
trust. It seldom happens that any man imprisons another but for debts which
he suffered to be contracted in hope of advantage to himself, and for
bargains in which proportioned his own profit to his own opinion of the
hazard; and there is no reason, why one should punish the other for a
contract in which both concurred.

Samuel Johnson 1709-1784 September 16, 1758