Many persons object to Friendly Societies because they are conducted at public-houses; because many of them are got up by the keepers of public-houses in order to obtain custom from the members; and because, in their fortnightly meetings to pay their subscriptions, they acquire the pernicious habit of drinking, and thus waste quite as much as they save. The Friendly Societies doubtless rely very much on the social element. The public-house is everybody's house. The members can there meet together, talk together, and drink together. It is extremely probable that had they trusted solely to the sense of duty--the duty of insuring against sickness--and merely required the members to pay their weekly contributions to a collector, very few societies of the kind would have remained in existence. In a large number of cases, there is practically no choice between the society that meets at a public-house, and none at all. It so happens that the world cannot be conducted on superfine principles. To most men, and especially to the men we are speaking of, it is a rough, working world, conducted on common principles, such as will wear. To some it may seem vulgar to associate beer, tobacco, or feasting with the pure and simple duty of effecting an insurance against disablement by sickness; but the world we live in is vulgar, and we must take it as we find it, and try to make the best of it. It must be admitted that the tendencies to pure good in man are very weak, and need much helping. But the expedient, vulgar though it be, of attracting him through his appetite for meat and drink to perform a duty to himself and neighbours, is by no means confined to societies of working men. There is scarcely a London charity or institution but has its annual dinner for the purpose of attracting subscribers. Are we to condemn the eighteenpenny annual dinner of the poor man, but excuse the guinea one of the rich? A vigorous effort was made by Mr. Akroyd of Halifax, in 1856, to establish a Provident Sick Society and Penny Savings Bank for the working men in the West Riding of Yorkshire. An organization was set on foot with these objects; and though the Penny Bank proved a complete success, the Provident Society proved a complete failure. Mr. Akroyd thus explains the causes of the failure: "We found the ground preoccupied," he says, "by Friendly Societies, especially by the Odd Fellows, Druids, Foresters, etc.; and against their principles of self-government, mutual check against fraud, and _brotherhood_, no new and independent society can compete. Our rates were also of necessity much higher than theirs, and this was perhaps one of the chief causes of our failure."