The immediate cause of the increase of population is the excess of the births above deaths; and the rate of increase, or the period of doubling, depe… - Thomas Robert Malthus

The lower classes of people in Europe may at some future period be much better instructed then they are at present; they may be taught to employ the little spare time they have in many better ways than at the ale-house; they may live under better and more equal laws than they have hitherto done, perhaps, in any country; and I even conceive it possible, though not probable, that they may have more leisure; but it is not in the nature of things, that they can be awarded such a quantity of money or substance, as will allow them all to marry early, in the full confidence that they shall be able to provide with ease for a numerous family.

But such consumption is not consistent with the actual habits of the generality of capitalists. The great object of their lives is to save a fortune, both because it is their duty to make a provision for their families, and because they cannot spend an income with so much comfort to themselves, while they are obliged perhaps to attend a counting house for seven or eight hours a day...
...There must therefore be a considerable class of persons who have both the will and power to consume more material wealth than they produce, or the mercantile classes could not continue profitably to produce so much more than they consume.

In prosperous times the mercantile classes often realize fortunes, which go far towards securing them against the future; but unfortunately the working classes, though they share in the general prosperity, do not share in it so largely as in the general adversity.