Chapter XI: Letter IV: The value and nature of Education. It may be good,

bad,—or neither the one nor the other. Knowledge is not education,
and can neither make us happy nor rich. Opening discussion of the
nature and use of riches. Gold and diamonds are not riches, and the
reader is challenged to specify their use. Opening discussion of
the origin of wealth. It does not fall from heaven, (compare Letter
VII., page 19,) but is certainly obtainable, and has been generally
obtained, by pillage of the poor. Modes in which education in
virtue has been made costly to them, and education in vice cheap.
(Page 23.)