Law -- England; Poor -- England; Poor laws -- England; Working class -- England
The theoretical arguments against the abolition of imprisonment for debt
are few. The chief one is that a working man would be unable to get credit
in times of distress. Personally I do not believe it. The argument has
been used on every occasion when any legislative step has been taken to
mitigate imprisonment, for always the prophecy has been: trade will suffer
and individuals, for want of credit, will starve. On every occasion the
facts have obstinately refused to honour the prophecy after the event. I
am inclined to back history against prophecy in this matter. Credit will
be given to a working man of good character to a reasonable amount, but he
will not be tempted, as he is to-day, to mortgage his future wages on the
security of his body for every passing whim. Beer is a cash business,
betting is a cash business, picture palaces, railway trains, tram cars,
slot machines, are all run on a cash basis, yet no one will pretend that
the working man does not get as much as he wants of the goods and services
of all of them.
To-day the temptation, and very largely, I am sorry to say, the practice,
is for a workman to make the brewer and the betting man first mortgagees
of his weekly wages, whilst the draper and the grocer are too often very
ordinary shareholders indeed, obtaining an irregular dividend ranking
after the Treasury fees of the County Court. Can anyone honestly say that
it would not be better for the draper and the grocer to have their
working-class business put on a cash basis. Abolish imprisonment for debt
and the grocer and draper will demand cash in advance or, at the worst,
weekly bills. The workman will then be face to face with the immediate
question of whether he prefers to spend his wages in drink and pleasure
for himself or food and clothes for his wife and children. I have no doubt
what his answer will be. The working man is of the same nature as
ourselves. In the old days of general imprisonment for debt everyone lived
in debt. The middle classes were tempted to live beyond their means and
did so, and the Micawbers of the world were always being carried off to
prison, leaving their families in tears. Now such a state of things is
unknown. Through the great private and public stores the middle classes
buy for cash the best material at the cheapest prices and live within
their incomes. The result in their lives is matter of social history. Why
is it to be supposed that any different result will be arrived at when the
working classes are no longer tempted by a false system of credit?
Public-domain text, read in full here on John Shaqi.
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