The associations of fellow workmen for the purposes of religion also took the form of clubs for mutual benefit and assistance. The Drapers were maintaining their school and schoolmaster in 1492[56]; their almshouses were only rivalled by those of the Mercers. The maintenance of poor and decayed members was always one of the most prominent of the objects of association. Attendance at the last offices by the grave of a deceased brother, and remembrance of him in prayer, were likewise universal duties of brethren. Edward VI.'s confiscation of Gild property broke down in all the towns a great system of poor-relief which had hitherto freed the government of that most difficult problem. Nor did the Gilds wait until a brother was completely crushed before they came to his assistance. Fluctuations of trade then as now sometimes brought occasions of temporary embarrassment. But "the false and abominable contract of Usury ... which the more subtily to deceive the people they call 'exchange' or 'chevisance,' whereas it might more truly be called 'mescheaunce,'" ... was rightly looked upon as unworthy of fellow-workers for the common good, "seeing that it ruins the honour and soul of the agent, and sweeps away the goods and property of him who appears to be accommodated, and destroys all manner of right and lawful traffick[57]." The common chest of the Gild was therefore at the service of the brethren[58], not, as in the days of degeneracy, to aid the capitalist in grinding down his workmen, but to keep the craftsman from the clutches of the usurer. [Sidenote: _Commercial._] Out of these religious fraternities and social clubs developed what we may more correctly term Craft Gilds; or to speak more strictly we should perhaps rather say that many of these societies began to add to their social and religious objects an additional one, namely trade regulation[59]. They would be encouraged in this direction by the action of the Merchant Gild, or its successor the municipal authority, which, as the expansion of trade necessitated specialisation, was glad to depute its powers to such associations[60]. [Sidenote: _Early Craft Gilds._] [Sidenote: _Effect of their growth on Merchant Gild._]