Moreover, Bentham's criticisms were mainly on the ground that Adam Smith's Scotch caution was too severe on 'projectors' and that a maximum rate of interest would leave too little margin for the reward of legitimate and socially advisable risks.

此外，边沁的批评主要基于亚当·斯密的苏格兰威士忌对“投影仪”过于严厉，以及最高利率对于合法的和社会上可取的风险的回报所留的余地太小。