But even among the farms of more than 5 hectares there are many that yield only a poor product, notwithstanding hard and long labor, owing to poor soil, unfavorable climate, bad location, lack of proper means of transportation, etc. It may be said without exaggeration that fully nine-tenths of the farmers lack the means and the knowledge to cultivate their soil as it might be cultivated. Neither do the small peasants receive a fair price for their products, since they depend upon the intermediate trader. The dealer who traverses the country on definite days or in definite seasons and usually trades off his merchandise to other dealers again, must obtain his profit. But to gather in the many small quantities means much more trouble to him than to procure a large quantity from a great landowner. The peasants owning small and medium-sized farms therefore receive less for their products than the great landowners, and if their products are of inferior quality, which is frequently the case owing to their primitive methods, they must accept almost any price. Sometimes they cannot even wait for the time when their product will bring the highest price. They owe money on rent, interest and taxes, they must repay loans, or must settle bills with tradespeople and mechanics, therefore they are obliged to sell no matter how unfavorable the time may be. In order to improve their property, or to satisfy joint-heirs or children they have mortgaged their farms. As they have few lenders to choose from, the conditions are not very favorable. A high rate of interest and definite dates of payment weigh heavily on them. A poor harvest or a faulty speculation in regard to the kind of product that they expected to sell at a good price often drive them to the verge of ruin. Sometimes the products are bought and the capital is loaned by one and the same person, and in that event the peasant is entirely in the hands of his creditor. In this manner the peasants of entire villages and districts are sometimes in the hands of a few creditors. This is the case with the peasants who raise hops, wine, tobacco, and vegetables in Southern Germany, and on the Rhine, and with small farmers in Central Germany. The creditor fleeces the peasants mercilessly. He allows them to remain on their farms as apparent owners, but as a matter of fact they no longer own them. Frequently the capitalistic exploiter finds this method far more profitable than to cultivate the land himself, or to sell it. In this manner thousands of peasants are recorded as owners of farms who are virtually not the owners. As a matter of fact, many great landowners, too, who managed badly or were unfortunate or took the property under unfavorable conditions, fell victims to capitalistic extortioners. The capitalist becomes master of the soil, and, in order to increase his profits, he divides up the farm into lots, because in this way he can obtain a far higher price than if he sold it undivided.