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Tamoskaro-2 Directory 15
Page 08
The discommodities of usury are, First, that it makes fewer merchants. For were it not for this lazy trade of usury, money would not he still, but would in great part be employed upon merchandizing; which is the vena porta of wealth in a state. The second, that it makes poor merchants. For, as a farmer cannot husband his ground so well, if he sit at a great rent; so the merchant cannot drive his trade so well, if he sit at great usury. The third is incident to the other two; and that is the decay of customs of kings or states, which ebb or flow, with merchandizing. The fourth, that it bringeth the treasure of a realm, or state, into a few hands. For the usurer being at certainties, and others at uncertainties, at the end of the game, most of the money will be in the box; and ever a state flourisheth, when wealth is more equally spread. The fifth, that it beats down the price of land; for the employment of money, is chiefly either merchandizing or purchasing; and usury waylays both. The sixth, that it doth dull and damp all industries, improvements, and new inventions, wherein money would be stirring, if it were not for this slug. The last, that it is the canker and ruin of many men's estates; which, in process of time, breeds a public poverty.
And now I leave my subject, not without misgiving that I shall have disappointed you. But for the great attention which is being paid to the work from which I have quoted above, I should not have thought it well to insist on points with which you are, I doubt not, as fully impressed as I am: but that book weakens the sanctions of natural religion, and minimises the comfort which it affords us, while it does more to undermine than to support the foundations of what is commonly called belief. Therefore I was glad to embrace this opportunity of protesting. Otherwise I should not have been so serious on a matter that transcends all seriousness. Lord Beaconsfield cut it shorter with more effect. When asked to give a rule of life for the son of a friend he said, "Do not let him try and find out who wrote the letters of Junius." Pressed for further counsel he added, "Nor yet who was the man in the iron mask"--and he would say no more. Don't bore people. And yet I am by no means sure that a good many people do not think themselves ill-used unless he who addresses them has thoroughly well bored them--especially if they have paid any money for hearing him. My great namesake said, "Surely the pleasure is as great of being cheated as to cheat," and great as the pleasure both of cheating and boring undoubtedly is, I believe he was right. So I remember a poem which came out some thirty years ago in Punch, about a young lady who went forth in quest to "Some burden make or burden bear, but which she did not greatly care, oh Miserie." So, again, all the holy men and women who in the Middle Ages professed to have discovered how to make the best of life took care that being bored, if not cheated, should have a large place in their programme. Still there are limits, and I close not without fear that I may have exceeded them.
RALPH, abbot of the Cistercian monastery of Coggeshall from 1207 to 1218, when he resigned because of illness, wrote a Chronicon Anglicanum (J. Stevenson, Rolls Series, 1875), which extends from 1066 to 1223. To 1186 the entries are brief annals: with 1187 the history becomes more full, but the writer's interest is chiefly in the crusade, of which important and interesting accounts are given from excellent sources; and comparatively little is recorded concerning the history of England proper before the accession of John. For the reign of John the book is one of our most important and trustworthy contemporary sources. Ralph was greatly interested in mythical tales, especially in wonderful occurrences in nature, and he records these at length as he heard of them, but this habit does not affect the character of his historical record proper. As a historian he is very well informed, though he gives but few documents; he saw clearly the essential point of things and had a sense of accuracy.
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