3. But the greatest misfortune of the German nation is certainly the traffic in annuities[264]. If that did not exist many a man would have to leave unbought his silks, velvets, golden ties ornaments, spices and ornaments of every sort. It has not existed much over a hundred years, and has already brought almost all princes, cities, endowed institutions, nobles and their heirs to poverty, misery and ruin; if it shall continue or another hundred years Germany cannot possibly have a _pfennig_ left and we shall certainly have to devour one another. The devil invented the practice, and the pope, by confirming it[265], has injured the whole world. Therefore I ask and pray that everyone open his eyes to see the ruin of himself, his children and his heirs, which not only stands before the door, but already haunts the house, and that emperor, princes, lords and cities do their part that this trade be condemned as speedily as possible, and henceforth prevented, regardless whether or not the pope, with all his law and unlaw, is opposed to it, and whether or not benefices or church foundations are based upon it. It is better that there should be in a city one living based on an honest freehold or revenue, than a hundred based on an annuity; indeed a living based on an annuity is worse and more grievous than twenty based on freeholds. In truth this traffic in rents must be a sign and symbol that the world, for its grievous sins, has been sold to the devil, so that both temporal and spiritual possessions must fail us, and yet we do not notice it at all. Here, too, we must put a bit in the mouth of the Fuggers and similar corporations[266]. How is it possible that in the lifetime of a single man such great possessions, worthy of a king, can be piled up, and yet everything be done legally and according to God's will? I am not a mathematician, but I do not understand how a man with a hundred gulden can make a profit of twenty gulden in one year, nay, how with one gulden he can make another[267]; and that, too, by another way than agriculture or cattle-raising, in which increase of wealth depends not on human wits, but on God's blessing. I commend this to the men of affairs. I am a theologian, and find nothing to blame in it except its evil and offending appearance, of which St. Paul says, "Avoid every appearance or show of evil." [1 Thess. 5:22] This I know well, that it would be much more pleasing to God if we increased agriculture and diminished commerce, and that they do much better who, according to the Scriptures, till the soil and seek their living from it, as was said to us and to all men in Adam, "Accursed be the earth when thou laborest therein, it shall bear thee thistles and thorns, and in the sweat of thy face shalt thou eat thy bread." [Gen. 3:17 ff.] There is still much land lying untilled. [Sidenote: Excesses in Eating and Drinking]