"Because, Frank, you on your side, never used to talk so." "But won't you loan me the money?" "No, Frank." "Why?" "Because my rule forbids. I give away money, but never loan it; and of course the man who calls himself my friend is above receiving alms. The negotiation of a loan is a business transaction. And I will transact no business with a friend. What a friend is, he is socially and intellectually; and I rate social and intellectual friendship too high to degrade it on either side into a pecuniary make-shift. To be sure there are, and I have, what is called business friends; that is, commercial acquaintances, very convenient persons. But I draw a red-ink line between them and my friends in the true sense--my friends social and intellectual. In brief, a true friend has nothing to do with loans; he should have a soul above loans. Loans are such unfriendly accommodations as are to be had from the soulless corporation of a bank, by giving the regular security and paying the regular discount." "An _unfriendly_ accommodation? Do those words go together handsomely?" "Like the poor farmer's team, of an old man and a cow--not handsomely, but to the purpose. Look, Frank, a loan of money on interest is a sale of money on credit. To sell a thing on credit may be an accommodation, but where is the friendliness? Few men in their senses, except operators, borrow money on interest, except upon a necessity akin to starvation. Well, now, where is the friendliness of my letting a starving man have, say, the money's worth of a barrel of flour upon the condition that, on a given day, he shall let me have the money's worth of a barrel and a half of flour; especially if I add this further proviso, that if he fail so to do, I shall then, to secure to myself the money's worth of my barrel and his half barrel, put his heart up at public auction, and, as it is cruel to part families, throw in his wife's and children's?" "I understand," with a pathetic shudder; "but even did it come to that, such a step on the creditor's part, let us, for the honor of human nature, hope, were less the intention than the contingency." "But, Frank, a contingency not unprovided for in the taking beforehand of due securities." "Still, Charlie, was not the loan in the first place a friend's act?" "And the auction in the last place an enemy's act. Don't you see? The enmity lies couched in the friendship, just as the ruin in the relief." "I must be very stupid to-day, Charlie, but really, I can't understand this. Excuse me, my dear friend, but it strikes me that in going into the philosophy of the subject, you go somewhat out of your depth." "So said the incautious wader out to the ocean; but the ocean replied: 'It is just the other way, my wet friend,' and drowned him."