ur distress comes from no failure of substance. We are stricken
by no plague of locusts. Compared with the perils which our forefathers
conquered because they believed and were not afraid, we have still much
to be thankful for. Nature still offers her bounty and human efforts
have multiplied it. Plenty is at our doorstep, but a generous use of it
languishes in the very sight of the supply. Primarily this is because
the rulers of the exchange of mankind's goods have failed, through
their own stubbornness and their own incompetence, have admitted their
failure, and abdicated. Practices of the unscrupulous money changers
stand indicted in the court of public opinion, rejected by the hearts
and minds of men.

True they have tried, but their efforts have been cast in the pattern of
an outworn tradition. Faced by failure of credit they have proposed only
the lending of more money. Stripped of the lure of profit by which to
induce our people to follow their false leadership, they have resorted
to exhortations, pleading tearfully for restored confidence. They know
only the rules of a generation of self-seekers. They have no vision, and
when there is no vision the people perish.

The money changers have fled from their high seats in the temple of our
civilization. We may now restore that temple to the ancient truths. The
measure of the restoration lies in the extent to which we apply social
values more noble than mere monetary profit.

Happiness lies not in the mere possession of money; it lies in the joy
of achievement, in the thrill of creative effort. The joy and moral
stimulation of work no longer must be forgotten in the mad chase of
evanescent profits. These dark days will be worth all they cost us if
they teach us that our true destiny is not to be ministered unto but to
minister to ourselves and to our fellow men.

Recognition of the falsity of material wealth as the standard of success
goes hand in hand with the abandonment of the false belief that
public office and high political position are to be valued only by the
standards of pride of place and personal profit; and there must be an
end to a conduct in banking and in business which too often has given
to a sacred trust the likeness of callous and selfish wrongdoing. Small
wonder that confidence languishes, for it thrives only on honesty, on
honor, on the sacredness of obligations, on faithful protection, on
unselfish performance; without them it cannot live.

R