(3) Even if the experiment is admittedly useful and beneficial, it has a strong tendency to encourage us, who constitute the community as a whole, to think that as there are rich men who are sufficiently enterprising and public-spirited to undertake these schemes and works of general utility, it is unnecessary to organise corporate effort, to establish them ourselves. Moreover, there is limit of productivity in private enterprise. (4) There are social schemes carefully conceived and elaborately worked out which fail because the very security of certain financial help and support has the effect of weakening initiative, choking enterprise, and preventing the growth of the just pride and self-reliance which individuals or bodies of individuals can only develop in an independent struggle with the chances and changes of their natural environment. Those who are supposed to benefit by the scheme are in fact, oppressed by the shadow of the heavy arm of the financial subsidy which dominates the whole situation. This may be unreasonable, but it is quite natural, and it shows that money poured out by one hand clogs the machinery of commercial and industrial life, falls, so to speak, into clots and cannot spread itself effectively as a lubricant into the many narrow and unseen corners of the domestic, municipal, or rural life and activities of the people. (5) Lastly, or it should have been said, primarily, the paramount objection is that any good that may come from the particular scheme or experiment is completely outweighed by the wrong that has been perpetrated and the injury that has been inflicted, in countless ways and in numberless directions, by the withdrawal from healthy circulation and the accumulation of the very riches a part of which is now being returned to the community in this doubtful form. It would be ungenerous to deny that great care and forethought have been exercised by the millionaires who have determined to devote a large part of their wealth to some great religious, social, scientific, or artistic cause. Distinct benefits have accrued from their action. But emphatically this does not mean that surplus wealth in individual hands can be used profitably. It means that human ingenuity, intelligence, and generous feeling can to some small extent mitigate in one direction the constant and pressing evils which the accumulation of riches has caused and is causing in a vastly more extensive way.