the few by the losses of the many.

Great and benign enterprises are possible without usury. There is no
greater enterprise than the postal system in this land and extending
to all the nations in the postal union. You owe it nothing; like poor
Richard, "you pay as you go." It owes nothing, pays no interest and
renders a great service for the small amount you pay. It is a standing
illustration of the success of a strictly cash business.

The great benevolent missionary enterprises, that send their
messengers to all lands, over the whole earth, receive and disburse
the gifts of the benevolent. Their work is not interrupted, but
continues from age to age.

The commerce of the world can be carried on just as effectively
without usury. A mortgage does not make a farm more productive nor
does a bonded debt make a railroad or a navigation company more
efficient. The railroads and express and telegraph and telephone and
other enterprises are greatly hindered in the service of the public by
the tribute they are returning to the usurers. Had this farmer not
this mortgage he could improve his farm and bring from his land better
results. Were it not for the unceasing drain upon the income of great
enterprises to meet the interest on bonds, the properties could be
improved and the public better served at greatly reduced rates. Indeed
the most successful enterprises are now operated by the owners.

4. "It will be hard to borrow, if you will not pay interest."

It would be a happy condition if no one should want to borrow except
in urgent need from an accidental strait; if that old independent,
self-reliant spirit that refused to be indebted to any man could be
universal, that preferred frank and honest poverty in a cabin, to a
sham affluence in a mortgaged palace.

It should be hard to borrow, but easy to pay. Usury makes it easy to
borrow, but hard to repay. Usurers even make it attractive and entice
the victim into the trap of debt and then it is all but impossible to
find a way out. An honest, industrious man of good habits must be ever
on the alert or he will be entangled, sooner or later, with debts.

It will not be harder for an honest man, who is in need, to borrow.
He will not be able to borrow more than his need requires. The debt
will not increase during the period of disability, and it will be
easier to repay without increase. The usurer requires more than
honesty for the security of his loan. The loan to him is pre