What character traits did the townspeople possess? Why were they inherent in them?

In the Middle Ages, urban dwellers were characterized by practical boldness and efficiency. They were distinguished by their frugality, even some stinginess. This happened because the townspeople could not, like the peasants, rely on the land to feed them. They had to worry all the time about how to make a living for themselves and their families, take into account the volatility of the market, which did not give in to forecasts. These factors have shaped an assertive character that adapts to the daily struggle for survival.