2 quotes from "Of human bondage"

I have not read this novel. Neither have I read anything by W. Somerset Maugham. 

But these 2 quotes attract my attention, which say exactly what I have learnt from experience (and which have been verified 1 more time lately): 

"You will find as you grow older that the first thing needful to make the world a tolerable place to live in is to recognize the inevitable selfishness of humanity. You demand unselfishness from others, which is a preposterous claim that they should sacrifice their desires to yours. Why should they? When you are reconciled to the fact that each is for himself in the world you will ask less from your fellows. They will not disappoint you, and you will look upon them more charitably. Men seek but one thing in life -- their pleasure." 

"I have nothing but contempt for the people who despise money. They are hypocrites or fools. Money is like a sixth sense without which you cannot make a complete use of the other five. Without an adequate income half the possibilities of life are shut off. The only thing to be careful about is that you do not pay more than a shilling for the shilling you earn. You will hear people say that poverty is the best spur to the artist. They have never felt the iron of it in their flesh. They do not know how mean it makes you. It exposes you to endless humiliation, it cuts your wings, it eats into your soul like a cancer."