"The problem of our age is the proper administration of wealth, so that the ties of brotherhood may still bind together the rich and poor in harmonious relationship. The conditions of human life have not only been changed, but revolutionised, within the past few hundred years. In former days there was little difference between the dwelling, dress, food, and environment of the chief and those of his retainers. The contrast between the palace of the millionaire and the cottage of the labourer with us to-day measures the change which has come with civilisation. This change is, however, not to be deplored, but welcomed as highly beneficial. It is well, nay, essential for the progress of the race, that the houses of some should be so arranged as to gather the surplus of wealth of many, and to administer it for the common good."

Andrew Carnegie, 'Wealth' (later known as 'The Gospel of Wealth'), North American Review, June 1889. Carnegie was at this point one of the wealthiest men in the world, having built the Carnegie Steel Company into the dominant force in American steel production.