Religion, any religion, no matter what sort of wonderful religion, never be universal. So now education is universal, so we have to sort of find ways and means through education system, from kindergarten up to university level, to make awareness these good things, the values, inner values.
A maxim is a conclusion upon observation of matters of fact, and is merely speculative; a "principle" carries knowledge within itself, and is prospective.
Successful entrepreneurship is ultimately a matter of flair. But there is also a fund of practical knowledge to be acquired and, of course, the right legal and financial framework has to be provided for productive enterprise to develop.