Spider-Man Team-Up #1 (December 1995), p. 22; story by Mark Waid & Tom Peyer (though at the end of the credits box is "special thanks to Scott Lobdell", so it's anyone's guess who actually coined this particular line).
And there you have it.
Before today, I would've sworn that Fabian Nicieza was the author responsible for that line, as it's exactly in line with how he wrote the character. (And that's one of the reasons I couldn't find it before now-- I was focusing on X-Force, Unadjectived X-Men, and other comics that Fabian wrote; I never thought to look in Spider-Man Team-Up, of all places.)
Feudalism: Serf & Turf