All the instances before given are notoriously charitable. That which is for the preservation of the lives and comforts of the poor, and of orphans, or for the enriching of my neighbour, is an act of charity; but such is some usury, past all doubt, as is before declared. Where the contrary is an act of cruelty, the usury is not against charity, but for it. For the rich to deny to the poor and orphans a part of that gain, which they make by the improvement of their own money, is oppression and cruelty; if it be cruel to let a beggar die or starve, when we should feed and clothe him of our own; much more to let the poor and orphans starve and perish rather than give them the increase of their own, or part of it at least. As for them that say, It may be as well improved otherwise, they are unexperienced men; it is a known falsehood as to the most, though some few may meet with such opportunities. At least it is nothing to them that cannot have other ways of improving it; who are very many. Moreover, when it is not an act of charity, yet it may be not against charity in these cases: 1. When the lender is poor and the borrower rich; yea, it may be a sin to lend it freely. "He that oppresseth the poor to increase his riches, and he that gives to the rich, shall surely come to want," Prov. xxii. 16. It is a giving to the rich to lend freely that money which they improve to the increase of their riches. 2. When the lender is not obliged to that act of charity, though the borrower be poorer than himself. Which falleth out in a hundred cases; and may be comprised under this one general, When the lender is obliged to expend that same money in some other greater, better work: as at the same time while a man that is worth but twenty pounds a year, is in debt to a man that hath a thousand pounds a year, there may be a hundred or a thousand poor people worth nothing, ready to perish, whom the rich is rather bound to succour, than him that hath but twenty pounds a year. And there may be works of piety (as to set up a school, or promote the preaching of the gospel) which may be as great as either. And the richest that is, cannot do all the good that is to be done, nor relieve all the persons that are in want; therefore when he must leave much undone, if he would give all his substance, it is (_cæteris paribus_) a sin, to give that to a man that can make shift without it, and pass by a hundred in much deeper necessity and distress; so that he who either exerciseth charity in his usury, or doth nothing against charity and justice, certainly sinneth not by that usury. For all the scriptures which speak against usury, speak against it as a cruel or uncharitable thing. _Object._ But it is sometimes necessary for a law to forbid that which otherwise would be good, when it cannot be done, without encouraging others to a greater evil; such as ordinary usury is; and then that law must be observed.