Words have meaning beyond the obvious. Words have consequences beyond intentions. Civil words align risk and reward of such unknowns.

A civil tongue speaks the language of masters. An uncivil tongue reveals character flaws of its master.

Civility is not a specific code of behavior as much as it is a call to unrelenting preemptive thought, and steady effort to care about influence on others.

The unseen enemy is always the most fearsome.

If it's money that an individual would otherwise have to borrow, meaning they'd take out a loan against a credit card or run up a balance, they are better off economically if they borrow from themselves.

Words have consequences.