An important note before reading the chapter. Banknotes were introduced to the UK in 1695 and were spread through the masses. A century later, £10 and £5 introduced after the 7 years war between Britain and France. However, bringing a full £10 or £5 banknotes to any stores in the UK would cost nothing and recommended to be exchanged for local banks so it can be used once more. Also;
Middle-classes in Britain during the Victorian Era are mostly considered professionals such as Engineers, Merchants, Bankers, etc.