Sentence:  'My dear Devereux, I say, you mustn't talk in that wild way. You—you talk like a ruined man!'/ 'And I so comfortable!'/ 'Why, to be sure, Dick, you have had some little <WSD>rubs</WSD>, and, maybe, your follies and your vexations; but, hang it, you are young; you can't get experience—at least, so I've found it—without paying for it. ...' 
Meaning of the word marked with <WSD> tags:  A difficulty or problem.