In H.G. Wells' "The Holy Terror," the author addresses the notion that inherited negative behaviors, such as a harmful mindset, do not become more acceptable simply because they are passed down through generations. He emphasizes that such harmful inclinations can be treated and changed, urging against the idea of perpetually living with detrimental habits. The analogy of scratching fleas underscores the irrationality of tolerating persistent issues without seeking solutions.

Wells critiques gambling and speculation, labeling them as societal afflictions that are as undesirable as diseases like syphilis. Through this comparison, he highlights the inherent dangers of engaging in these activities, suggesting that they can lead to destructive patterns both at an individual and collective level. The author advocates for recognizing and addressing these social maladies rather than resigning to them as unavoidable aspects of life.