the shrewd observations you pretend to have made on human nature?

Peregrine having perused the billet, and listened to this ejaculation, replied with great composure, that he was ashamed to see a man of his years and pretensions to philosophy so ruffled by a trifle. “What signify all the boasted hardships you have overcome,” said he, “and the shrewd observations you pretend to have made on human nature? Where is that stoical indifference you affirm you have attained, if such a paltry disappointment can disturb you in this manner? What is the loss of three hundred pounds, compared with the misfortunes which I myself have undergone within these two years? Yet you will take upon you to act the censor, and inveigh against the impatience and impetuosity of youth, as if you yourself had gained an absolute conquest over all the passions of the heart. You were so kind as to insult me another day in my affliction, by reproaching me with indiscretion and misconduct: suppose I were now to retort the imputation, and ask how a man of your profound sagacity could leave your fortune at the discretion of ignorant peasants? How could you be so blind as not to foresee the necessity of repairs, together with the danger of bankruptcy, murrain, or thin crop? Why did you not convert your land into ready money, and, as you have no connections in life, purchase an annuity, on which you might have lived at your ease, without any fear of the consequence? Can’t you, from the whole budget of your philosophy, cull one apophthegm to console you for this trivial mischance?”
“Rot your rapidity!” said the cynic, half-choked with gall; “if the cancer or the pox were in your throat, I should not be thus tormented with your tongue; and yet a magpie shall speak infinitely more to the purpose. Don’t you know, Mr. Wiseacre, that my case does not fall within the province of philosophy? Had I been curtailed of all my members, racked by the gout and gravel, deprived of liberty, robbed of an only child, or visited with the death of a dear friend like you, philosophy might have contributed to my consolation; but will philosophy pay my debts, or free me from the burden of obligation to a set of fellows whom I despise?— speak-pronounce-demonstrate, or may Heaven close your mouth for ever!”
“These are the comfortable fruits of your misanthropy,” answered the youth; “your laudable scheme of detaching yourself from the bonds of society, and of moving in a superior sphere of your own. Had you not been so peculiarly sage, and intent upon laughing at mankind, you could never have been disconcerted by such a pitiful inconvenience; any friend would have accommodated you with the sum in question. But now the world may retort the laugh; for you stand upon such an agreeable footing with your acquaintance, that nothing could please them better than an account of your having given disappointment the slip, by the help of a noose properly applied. This I mention by way of hint, upon which I would have you chew the cud of reflection; and, should it come to that issue, I will use my whole interest with the coroner to bring in his verdict lunacy, that your carcase may have Christian burial.”