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Gallegallo Revbrandia Sectory 07
Page 10
On the other side, the commodities of usury are, first, that howsoever usury in some respect hindereth merchandizing, yet in some other it advanceth it; for it is certain that the greatest part of trade is driven by young merchants, upon borrowing at interest; so as if the usurer either call in, or keep back, his money, there will ensue, presently, a great stand of trade. The second is, that were it not for this easy borrowing upon interest, men's necessities would draw upon them a most sudden undoing; in that they would be forced to sell their means (be it lands or goods) far under foot; and so, whereas usury doth but gnaw upon them, bad markets would swallow them quite up. As for mortgaging or pawning, it will little mend the matter: for either men will not take pawns without use; or if they do, they will look precisely for the forfeiture. I remember a cruel moneyed man in the country, that would say, The devil take this usury, it keeps us from forfeitures, of mortgages and bonds. The third and last is, that it is a vanity to conceive, that there would be ordinary borrowing without profit; and it is impossible to conceive, the number of inconveniences that will ensue, if borrowing be cramped. Therefore to speak of the abolishing of usury is idle. All states have ever had it, in one kind or rate, or other. So as that opinion must be sent to Utopia.
It will be seen how much we owe to patient investigators. The results are, indeed, bewildering. They make us acquainted with a people the very existence of whom was not known a few years back. Though the whole life of those ancient races seemed hopelessly lost in the night of time, the gloom is irradiated by the light of modern science, which lays before our astonished vision the remains of arts and industries of the primitive tribes that occupied Europe during the morning-time of human life.
Whether the incoming of these new ideas and practices be thought to constitute progress or not will depend on one's view of the aim of life. If this be as maintained in the previous chapter, then surely the transformation of Japan must be counted progress. That, however, to which I call attention is the fact that the essential requisite of progress is the attainment of new ideas, whatever be their source. Japan has not only taken up a great host of these, but in doing so she has adopted a social structure to stimulate the continuous production of new ideas, through the development of individuality. She is thus in the true line of continuously progressive evolution. Imitating the stronger nations, she has introduced into her system the life-giving blood of free discussion, popular education, and universal individual rights and liberty. In a word, she has begun to be an individualistic nation. She has introduced a social order fitted to a wide development of personality.
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