I am convinced that courage is the most important of all the virtues. Because without courage, you cannot practice any other virtue consistently. You can be kind for a while; you can be generous for a while; you can be just for a while, or merciful for a while, even loving for a while. But it is only with courage that you can be persistently and insistently kind and generous and fair.
Illiteracy does not impede the practice of democracy, as witnessed by the success of democracy in India despite the high illiteracy rate. One doesn't need a university diploma to realize that the ruler is oppressive and corrupt. On the other hand, to eradicate illiteracy requires that we elect a fair and efficient political regime.
The crash of 2008 was driven in no small part by unfair practices in the mortgage industry which led to many consumers being trapped in loans they didn't understand and couldn't afford.
The practice of utter sincerity towards other men would avail to no good end, if they were incapable of practising it towards their own minds. In fact, truth cannot be communicated until it is perceived.
If there is one tendency of the day which more than any other is unhealthy and undesirable, it is the tendency to deify mere "smartness," unaccompanied by a sense of moral accountability. We shall never make our republic what it should be until as a people we thoroughly understand and put in practice the doctrine that success is abhorrent if attained by the sacrifice of the fundamental principles of morality.