The maxim, or injunction, to which a study of capital leads us is, Get capital. In a community where the standard of living is high, and the conditions of production are favorable, there is a wide margin within which an individual may practise self-denial and win capital without suffering, if he has not the charge of a family. That it requires energy, courage, perseverance, and prudence is not to be denied. Any one who believes that any good thing on this earth can be got without those virtues may believe in the philosopher's stone or the fountain of youth. If there were any Utopia its inhabitants would certainly be very insipid and characterless. Those who have neither capital nor land unquestionably have a closer class interest than landlords or capitalists. If one of those who are in either of the latter classes is a spendthrift he loses his advantage. If the non-capitalists increase their numbers, they surrender themselves into the hands of the landlords and capitalists. They compete with each other for food until they run up the rent of land, and they compete with each other for wages until they give the capitalist a great amount of productive energy for a given amount of capital. If some of them are economical and prudent in the midst of a class which saves nothing and marries early, the few prudent suffer for the folly of the rest, since they can only get current rates of wages; and if these are low the margin out of which to make savings by special personal effort is narrow. No instance has yet been seen of a society composed of a class of great capitalists and a class of laborers who had fallen into a caste of permanent drudges. Probably no such thing is possible so long as landlords especially remain as a third class, and so long as society continues to develop strong classes of merchants, financiers, professional men, and other classes. If it were conceivable that non-capitalist laborers should give up struggling to become capitalists, should give way to vulgar enjoyments and passions, should recklessly increase their numbers, and should become a permanent caste, they might with some justice be called proletarians. The name has been adopted by some professed labor leaders, but it really should be considered insulting. If there were such a proletariat it would be hopelessly in the hands of a body of plutocratic capitalists, and a society so organized would, no doubt, be far worse than a society composed only of nobles and serfs, which is the worst society the world has seen in modern times. At every turn, therefore, it appears that the number of men and the quality of men limit each other, and that the question whether we shall have more men or better men is of most importance to the class which has neither land nor capital. VI. _THAT HE WHO WOULD BE WELL TAKEN CARE OF MUST TAKE CARE OF HIMSELF._