Read the following excerpt from The First Men in the Moon then answer the question below. I took risks. In these things there is invariably a certain amount of give and take, and it fell to me finally to do the giving reluctantly enough. Even when I had got out of everything, one cantankerous creditor saw fit to be malignant.
Based on the excerpt, what can the reader infer about Mr. Bedford's past business dealings?

He was reluctant to leave his work.
He was a dishonest businessman.
He got into debt.
He had to run from creditors.