I made this up years ago because it seemed to accurately describe individuals, but it's become so much a part of my everyday speech I often forget I made it up til I get confused reactions from people: "Nicotine vultures."
You know, individuals who are constantly pestering you for cigarettes, and if they see somebody with a cigarette or a puff of smoke they swoop in like vultures...
I have always remembered this passage from Somerset Maugham's book - Of Human Bondage
“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.”