The complaints were of different sorts but revolved around the charge of the usurpation of government by an "aristocracy." Incontrovertible proof of this charge was found in special legislation chartering banks and other corporations. The banks were indicted upon two counts. First, the unstable bank paper money defrauded the wage earner of a considerable portion of the purchasing power of his wages. Second, banks restricted competition and shut off avenues for the "man on the make." The latter accusation may be understood only if we keep in mind that this was a period when bank credits began to play an essential part in the conduct of industry; that with the extension of the market into the States and territories South and West, with the resulting delay in collections, business could be carried on only by those who enjoyed credit facilities at the banks. Now, as credit generally follows access to the market, it was inevitable that the beneficiary of the banking system should not be the master or journeyman but the merchant for whom both worked.[4] To the uninitiated, however, this arrangement could only appear in the light of a huge conspiracy entered into by the chartered monopolies, the banks, and the unchartered monopolist, the merchant, to shut out the possible competition by the master and journeyman. The grievance appeared all the more serious since all banks were chartered by special enactments of the legislature, which thus appeared as an accomplice in the conspiracy. In addition to giving active help to the rich, the workingmen argued, the government was too callous to the suffering of the poor and pointed to the practice of imprisonment for debt. The Boston Prison Discipline Society, a philanthropic organization, estimated in 1829 that about 75,000 persons were annually imprisoned for debt in the United States. Many of these were imprisoned for very small debts. In one Massachusetts prison, for example, out of 37 cases, 20 were for less than $20. The Philadelphia printer and philanthropist, Mathew Carey, father of the economist Henry C. Carey, cited a contemporary Boston case of a blind man with a family dependent on him imprisoned for a debt of six dollars. A labor paper reported an astounding case of a widow in Providence, Rhode Island, whose husband had lost his life in a fire while attempting to save the property of the man who later caused her imprisonment for a debt of 68 cents. The physical conditions in debtors' jails were appalling, according to unimpeachable contemporary reports. Little did such treatment of the poor accord with their newly acquired dignity as citizens.