“You blame me, Captain Graves, for having acted as no business man should act, and for putting temptation in the path of the weak. Well, in a sense I am still a business man, but I am not an usurer, and it is possible that I may have had motives other than those of my own profit. Let us put a hypothetical case: let us suppose that once upon a time, many years ago, a young fellow of good birth, good looks and fair fortune, but lacking the advantages of careful education and not overburdened with principle, found himself a member of one of the fastest and most expensive regiments of Guards. Let us suppose that he lived—well, as such young men have done before and since—a life of extravagance and debauchery that very soon dissipated the means which he possessed. In due course this young man would not improbably have betaken himself to every kind of gambling in order to supply his pocket with money. Sometimes he would have won, but it is possible that in the end he might have found himself posted as a defaulter because he was unable to pay his racing debts, and owing as many thousands at cards as he possessed five-pound notes in the world. “Such a young man might not unjustly have hard things said of him; his fellow-officers might call him a scamp and rake up queer stories as to his behaviour in financial transactions, while among outsiders he might be branded openly as no better than a thief. Of course the regimental career of this imaginary person would come to a swift and shameful end, and he would find himself bankrupt and dishonoured, a pariah unfit for the society of gentlemen, with no other opening left to him than that which a pistol bullet through the head can offer. It is probable that such a man, being desperate and devoid of religion, might determine to take this course. He might almost be in the act of so doing, when he, who thought himself friendless, found a friend, and that friend one by whom of all others he had dealt ill. “And now let us suppose for the last time that this friend threw into the fire before his eyes that bankrupt’s I.O.U.’s, that he persuaded him to abandon his mad design of suicide, that he assisted him to escape his other creditors, and, finally, when the culprit, living under a false name, was almost forgotten by those who had known him, that he did his best to help him to a fresh start in life. In such a case, Captain Graves, would not this unhappy man owe a debt of gratitude to that friend?”