The lackey must not only care for the game taken, but he must add to the bag from his own hunting. He not only cares for the fish his master caught but must add to the basket from his own catching. The valet must not only perfectly preserve the clothes of his master, but must add to his wardrobe. The borrower of the usurer must protect and preserve every farthing in value of the property or goods, and must also increase the amount. The estimate put upon the mental condition of the person who will submit to such an imposition, by "Timon of Athens," must be admitted as fairly just, for a heathen. From the almost universal practice of usury, and the vast numbers enslaved, we must also admit that Solomon, the wisest man that ever lived, knew what he was saying, when he slyly called us all fools in his proverb, "A wise man's heart is at his right hand but a fool's heart is at his left." The object of the usurer in making a loan is to secure the service of the borrower; it may be called a favor, an opportunity, an accommodation, but that is its purpose and its effect. It may be called capital or a tool for production, but the appropriation of the service of the borrower is the result sought and secured. To secure the service of a horse, there must be an outgo of wealth in its purchase price and in its harness and the vehicle. The service received is the return, the compensation for the payment made. That is money invested and repaid in service. The price was in accordance with the service the animal would be able to render. For more and better service a higher price must be paid. There must be an expenditure to secure the service of a chattel slave. The purchase price must be paid and the tools and material or plantation must be supplied before his services are available. The price paid is in accordance with a reasonable estimate of the service the slave will be able to render during life. The outlay is made in consideration of an equivalent in service. A loan is made for the same purpose and secures the same result. The price of the horse or slave must be paid before the service can be claimed. The loan must be made before there can be a pretext of a claim upon the services of the borrower. There is this difference, however, that the purchaser pays for the services he expects to receive; he makes a real outlay for what is to be given him. The usurer pays nothing, he does not give a farthing; he makes no outlay; he merely changes the deposit from the bank vault, or his strong box, to his victim, and requires from him such an ample security that it is as safe in his hands as remaining in the vault. That he has bought the service of the borrower as another bought the service of the horse or chattel slave is untrue. He has given no equivalent. He retains every farthing of his wealth safely deposited with his victim. The service he receives does not diminish the value of his property nor discharge any portion of his claim.