Although it's obviously untrue, Rosa's claim that Emily is solely responsible for the breakup of the Steerforth family reflects widely held nineteenth-century beliefs about fallen women—namely, that they posed a threat to the nuclear family. There were widespread fears, for instance, about men who had visited prostitutes passing on sexually transmitted diseases to their families. Meanwhile, Emily argues that her family is equal to Rosa's in terms of feeling and virtue—in other words, that love, rather than financial considerations, is what binds them together. Interestingly, she makes this point by claiming she was "brought up as virtuous as […] any lady." Given her earlier desire to become a lady, this perhaps signals a new contentment with her position in life, since it suggests that it's possible to be a "lady" in moral terms rather than in class ones.