[94] They are (up to the amount of the currency) simply creditors and debtors--the commercial types of the two great sects of humanity which those words describe; for debt and credit are of course merely the mercantile forms of the words "duty" and "creed," which give the central ideas: only it is more accurate to say "faith" than "creed," because creed has been applied carelessly to mere forms of words. Duty properly signifies whatever in substance or act one person owes to another, and faith the other's trust in his rendering it. The French "devoir" and "foi" are fuller and clearer words than ours; for, faith being the passive of fact, foi comes straight through fides from fio; and the French keep the group of words formed from the infinitive--fieri, "se fier," "se defier," "defiance," and the grand following "defi." Our English "affiance," "defiance," "confidence," "diffidence," retain accurate meanings; but our "faithful" has become obscure, from being used for "faithworthy," as well as "full of faith." "His name that sat on him was called Faithful and True." Trust is the passive of true saying, as faith is the passive of due doing; and the right learning of these etymologies, which are in the strictest sense only to be learned "by heart," is of considerably more importance to the youth of a nation than its reading and ciphering. [95] For example, suppose an active peasant, having got his ground into good order and built himself a comfortable house, finding still time on his hands, sees one of his neighbours little able to work, and ill lodged, and offers to build him also a house, and to put his land in order, on condition of receiving for a given period rent for the building and tithe of the fruits. The offer is accepted, and a document given promissory of rent and tithe. This note is money. It can only be good money if the man who has incurred the debt so far recovers his strength as to be able to take advantage of the help he has received, and meet the demand of the note; if he lets his house fall to ruin, and his field to waste, his promissory note will soon be valueless: but the existence of the note at all is a consequence of his not having worked so stoutly as the other. Let him gain as much as to be able to pay back the entire debt; the note is cancelled and we have two rich store-holders and no currency.