Again I protest that I make no railing accusation against wealth in itself. I am so far convinced of the truly beneficent utilities of wealth, that I would quite willingly take the risks of a moderate competence, should any one be disposed to make experiment with my virtues. There is some magnanimity in this offer, for I can no more foretell the effects of the bacillus of wealth upon my moral nature, than can the physician who offers his body for inoculation with the germ of some dire disease that science may be served. It argues some lack of imagination among millionaires that it has occurred to no one of the tribe to endow a man instead of an institution, if it were only by way of change. It would at least prove an interesting experiment, and it would be cheap at the price of the few unmissed thousands which the millionaire would pay for it. To such an experiment I would be willing to submit, if it were only to ascertain whether I have been right or wrong in my supposition that I am better qualified by nature than my fellows for the right administration of wealth; but there is one thing I would never do, I would never undertake that laborious quest of wealth, which robs men of the power to enjoy it when it is obtained. It is there that the pinch comes; granted that some degree of competence is needed for a free and various use of life, is it worth while to destroy the power of living in attaining the means to live? What is a man better for his wealth if he does not know how to use it? A fool may steal a ship, but it takes a wise man to navigate her towards the islands of the Blest. I am told sometimes that there is a romance in business; no doubt there is, but it is pretty often the romance of piracy; and the pleasures of the rich man are very often nothing better than the pleasures of the pirate: a barbaric wading in gold, a reckless piling up of treasure, which he has not the sense to use. As long as there are shouting crews upon the sea and flaming ships, he is happy; but give him at last the gold which he has striven to win, and he knows nothing better than to sit like the successful pirate in a common ale-house, and make his boast to boon companions. I believe that the dullest men in all the world are very rich men; and I have sometimes thought that it cannot need a very high order of intelligence to acquire wealth, since some of the meanest of mankind appear to prosper at the business. A certain vulpine shrewdness of intelligence seems the thing most needed, and this may coexist with a general dulness of mind which would disgrace a savage.