Mark Twain most likely created the character of Henry Adams as an American living in England to better compare and contrast American and British social tendencies.
Twain uses the stories of Henry Adams to show that <em>Americans need to be honest, patient, self-disciplined, and witty</em>. This story is no exception. Henry needs to be intelligent to obtain things just for having a milloin pound bank note, and he need self-discipline to not over spend the money that people lend him so that he can ultimately repay it.
The answer is<em> in order to better compare and contrast American and British banking system.</em>
The story takes place in Victorian London, where Henry Adams, the story's main character and also the hero-storyteller has wound up poor and in clothes after a drifting mishap in the U.S cleared him out to to ocean. Shortly after, two extremely rich siblings spot him and give him an envelope with no data. Seeing the cash inside the envelope Henry promptly sets out toward a shabby eating house and he hauls the cash out of the envelope after he eats.
<u>Throughout the story the author uses the main character's nationality and the mishaps he encounters in the UK to make a clear statement towards the banking industry in both countries.</u>
