“12. The twelfth feature of a just and convenient system of money is, it must be most directly issued to the _individual_--man, woman and child--who performs the productive labor which produced the wealth which the money represents. “I have already explained how, on Mars, every man, woman and child who labors get their money issued on their labor-record at the close of each month. Also how the disabled person gets it similarly issued on a _gift_-record. Hereafter I will tell you how an infant gets it. “With you, the man, or at least the husband, in general takes in all the money the whole family produce by their united labor. Under such an arrangement, whenever the wife or child wants any money, they are obliged to ask the _man_ for it. This tends to make beggars and slaves of the wife and child, and a tyrant of the man. Here the poor man is probably as much of a monopolist over his family as a capitalist is over him. There are, however, a few exceptions to this rule. A few of your husbands give their wife and children free access to their money. But it is generally expressed by you that the _husband_, the _man_, _supports_ the wife and children, even if the wife labors twelve or fourteen hours a day, cooking, washing, darning, nursing, keeping house, etc. All such labor as the wife performs is, as a rule, considered worth little or nothing by the _men_; because the man has so shaped his financial system that the woman cannot take in any of the money she earns by her domestic labor. Such is your financial system on this point, the justice and convenience of which I shall leave to any candid, intelligent person to judge for himself. But ages ago our ancestors were just as cruel, unjust, unthoughtful, and inconsiderate on the financial problem as you are at present, and, no doubt, just as soon as you learn that your world will be happier by using a more _just_ and _convenient_ system of money, which will measure up to all of the foregoing features, all financial slavery will disappear from your world; and all your efforts in that direction will then be crowned with justice, success and universal happiness.” CHAPTER XIV. SOME CONNECTION BETWEEN WEALTH, LABOR, COMMERCE, INTERCOMMUNICATION, TRADE AND A MEDIUM OF EXCHANGE. “But, if each individual keeps his own record of the time he has labored, and the money is issued to him or her according to that time-record, is not an individual tempted to make false entries in his time-book?” asked Rev. Dudley.