Nichols [the money lender]: "In this sharing and living as one family that you talk so much about, [who] has conferred the most obligations?" David: "In all our transactions with each other, I believe the word obligations was never once thought of by either of us." Nichols: "But many a man has come to me to mortgage his last foot of land, and all his complaint has been of ingratitude from those he had obliged." David: "You don't speak our language, sir." Here Nichols sneers.