Who says the following and why?

Oh yes. Quite a fat one. This is an age of upstarts. Men begin in Kentish Town with 80 pounds a year, and end in Park Lane with a hundred thousand. They want to drop Kentish Town; but they give themselves away every time they open their mouths. Now I can teach them—

Pickering is explaining capitalism to Liza.
Higgins is explaining his profession.
Liza is plotting revenge on her old "friends" that used to tease her.
Pickering is complaining about the poor manners of "new money."

Question

Who says the following and why?

    Oh yes. Quite a fat one. This is an age of upstarts. Men begin in Kentish Town with 80 pounds a year, and end in Park Lane with a hundred thousand. They want to drop Kentish Town; but they give themselves away every time they open their mouths. Now I can teach them—

Pickering is explaining capitalism to Liza.
Higgins is explaining his profession.
Liza is plotting revenge on her old "friends" that used to tease her.
Pickering is complaining about the poor manners of "new money."