"The necessity to borrow is one of the results of borrowing. The disease produces the symptoms. The men who are enriched by borrowing are infinitely less in number than those who are ruined by it; and every disaster to the middle class swells the number and decreases the opportunities of the helplessly poor. Money in itself is valueless. It becomes valuable only by use--by exchange for things needful for life or comfort. If money could not be loaned, it would have to be put out by the owner of it in business enterprises, which would employ labor; and as the enterprise would not then have to support a double burden--to wit, the man engaged in it and the usurer who sits securely upon his back--but would have to maintain only the former usurer--that is, the present employer--its success would be more certain; the general prosperity of the community would be increased thereby, and there would be therefore more enterprises, more demand for labor, and consequently higher wages. Usury kills off the enterprising members of a community by bankrupting them, and leaves only the very rich and the very poor; for every dollar the employers of labor pay to the lenders of money has to come eventually out of the pockets of the laborers. Usury is therefore the cause of the first aristocracy, and out of this grow all the other aristocracies. Inquire where the money came from that now oppresses mankind, in the shape of great corporations, combinations, etc., and in nine cases out of ten you will trace it back to the fountain of interest on money loaned. The coral island is built out of the bodies of dead coral insects; large fortunes are usually the accumulations of wreckage, and every dollar represents disaster." "Well," said Maximilian, "having abolished usury, in your Utopia, what would you do next?" "I would set to work to make a list of all the laws, or parts of laws, or customs, or conditions which, either by commission or omission, gave any man an advantage over any other man; or which tended to concentrate the wealth of the community in the hands of a few. And having found out just what these wrongs or advantages were, I would abolish them _instanter_." "Well, let us suppose," said Maximilian, "that you were not immediately murdered by the men whose privileges you had destroyed--even as the Gracchi were of old--what would you do next? Men differ in every detail. Some have more industry, or more strength, or more cunning, or more foresight, or more acquisitiveness than others. How are you to prevent these men from becoming richer than the rest?"