Wordplay

There was an old man name of Moe who had trouble just saying hello, he was so fearfully shy and would quite frequently cry, when consulted he always said "No!" Pherica Schmerica Bank of America, sultans of currency, captains of greed. Scourge of the ne'er-do-well, denominational, you mortgage your lifestyle and they hold the deed. A student who always got A's never got nothin' but praise, so when he dropped to a C he declared, "Woe is me! I hope that it's merely a phase!"