"That's true enough, but fellows like myself can't always find a captain of industry who is willing to take a long-shot to do the indorsing," said the Idiot. "Besides, under the indorsement plan you merely ask another man to be responsible for your debt, and that isn't fair. The whole system is wrong. Every man to his own collateral, I say. Give me the bank that will lend money to the chap that needs it on the security of his own product. Mr. Whitechoker, say, is short on cash and long on sermons. My style of bank would take one barrel of his sermons and salt 'em down in the safe-deposit company as security for the money he needs. The Poet here, finding the summer approaching and not a cent in hand to replenish his wardrobe, should be able to secure an advance of two or three hundred dollars on his sonnets, rondeaux, and lyrics--one dollar for each two-and-a-half-dollar sonnet, and so on. The grocer should be able to borrow money on his dried apples, his vinegar pickles, his canned asparagus, and other non-perishable assets, such as dog-biscuit, Roquefort cheese, and California raisins. The tailor seeking an accommodation of five hundred dollars should not be asked how many times he has been sentenced to jail for arson, and required to pay in ten thousand shares of Steel common, in order to get his grip on the currency, but should be approached appropriately and asked how many pairs of trousers he is willing to pledge as security for the loan." "I don't know where I would come in on that proposition," said the Doctor. "There are times when we physicians need money, too." "Pooh!" said the Idiot. "You are not a non-producer. It doesn't take a very smart doctor these days to produce patients, does it? You could assign your cases to the bank. One little case of hypochondria alone ought to be a sufficient guarantee of a steady income for years, properly managed. If you haven't learned how to keep your patients in such shape that they have to send for you two or three times a week, you'd better go back to the medical school and fit yourself for your real work in life. You never knew a plumber to be so careless of his interests as to clean up a job all at once, and what the plumber is to the household, the physician should be to the individual. Same way with Mr. Brief. With the machinery of the law in its present shape there is absolutely no excuse for a lawyer who settles any case inside of fifteen years, by which time it is reasonable to suppose his client will get into some new trouble that will keep him going as a paying concern for fifteen more. There isn't a field of human endeavor in which a man applies himself industriously that does not produce something that should be a negotiable security." "How about burglars?" queried the Bibliomaniac.