On the question of the lawfulness of charging interest Luther not only laid down no “new principles” which might have been of help for the future, but, on the contrary, he paved the way for serious difficulties. He was not to be moved from the traditional, mediæval standpoint which viewed the charging of any interest whatever on loans as something prohibited. His foe, Johann Eck, on the other hand, in a Disputation at Bologna, had defended the lawfulness of moderate interest.[259] After having repeatedly attacked by word and pen usury and the charging of any interest[260]—led thereto, as he says, by the grievous abuses in the commercial and financial system, he published in 1539 his “An die Pfarherrn wider den Wucher zu predigen,” whence most of what follows has been taken. As it was written towards the end of his life, we may assume it to represent the result of his experience and the final statement of his convictions. In this writing, after a sad outburst on the increase of usury in Germany, he begins his “warnings” by urging that “the people should be told firmly and plainly concerning lending and borrowing, and that when money is lent and a charge made or more taken back than was originally made over, this is usury, and as such is condemned by every law. Hence those are usurers who charge 5, or 6, or more on the hundred on the money they lend, and should be called idolatrous ministers of avarice or Mammon, nor can they be saved unless they do penance.… To lend is to give a man my money, property or belongings so that he may use them.… Just as one neighbour lends another a dish, a can, a bed, or clothes, and in the same way money, or money’s worth, in return for which I may not take anything.”[261] The writer of these words, like so many others who, in his day and later, still adhered to the old canonical standpoint, failed to see, that, as things then were, to lend money was to surrender to the borrower a commodity which was already bringing in some return, and that, in consequence of this, the lender had a right to demand some indemnification. As this had not generally speaking been the case in the Middle Ages, the prohibition of charging interest was then a just one. Nevertheless, within certain limits, it was slowly becoming obsolete and, as the economic situation changed for that of modern times and money became more liquid, the more general did lending at interest become.