It is to be hoped that Mr. Ruskin does not in all solemn seriousness really expect that after a fair examination of the modes of life of all these people, "an entirely new view of life and its sacraments will open upon us and them." Is it indeed a fact that "the great mass of men calling themselves Christians do actually live by robbing the poor of their bread, and by no other trade whatsoever"? Mr. Ruskin is always terribly in earnest in whatever he says, and we must look for an explanation of this sentence in the very decided views he holds upon interest of money, which he calls usury. Mr. Ruskin classes Usury and Interest together. Here are some of his strong words upon this subject: "There is absolutely no debate possible as to what usury is, any more than what adultery is. The Church has only been polluted by indulgence in it since the 16th century. Usury is any kind whatever of interest on loan, and it is the essential modern force of Satan." This was written September 9th of this year. In "Fors Clavigera," Letter lxxxii., p. 323, he challenged the Bishop of Manchester to answer him the question, whether he considered "usury to be a work of the Lord"?[16] In the same letter, to place his heavy denunciation against the wickedness of usury in the best possible company, he pleads: "Plato's scheme was impossible even in his own day,--as Bacon's New Atlantis in _his_ day,--as Calvin's reform in _his_ day,--as Goethe's Academe in his; but of the good there was in all these men, the world gathered what it could find of evil." [16] See _Contemporary Review_, February 1880. Let us look a little closer into this matter. It is not because a man with fearless frankness breasts the full torrent of popular persuasion and universal practice that he is to be thrust aside as a fanatic, with hard words and unfeeling sneers concerning his sanity. Here, again, I avow my persuasion that Mr. Ruskin is, in one sense, too far in advance, and, in another, too far in the rear of the time; and while I attempt an explanatory justification of the modern practice, I admit that it is only "for the hardness of our hearts" and because the golden age is still far off.