J.P. Morgan, a pivotal figure in the financial and industrial expansion of the United States in the late 19th and early 20th centuries, emphasized the importance of personal character in access to credit. He famously stated that personal trust comes before money when it comes to securing significant loans. His perspective highlights the ethical framework he believed should govern financial dealings, contrasting the moral standing of individuals with the mere pursuit of wealth. Morgan's contributions to banking included significant intervention in corporate mergers, railway operations, and managing financial crises, showcasing his influence over key economic developments of his time. His career was marked by a belief that sustainable financial success relies not just on capital but also on the integrity and character of those involved in financial transactions. This belief culminated in his testimony before Congress in December 1912, a moment that encapsulated his philosophy regarding credit access and personal accountability. The legacy of J.P. Morgan continues to impact banking and finance today, as his insights into character building resonate amid ongoing discussions about ethics in the financial sector. His life and work serve as a reminder that the foundation of successful financial relationships often hinges on personal trust and ethical behavior rather than solely on monetary prowess.