Mr. Lawyer: Hold on there, Mr. Farmer, or you'll prove conclusively that you fellows out in the country know more than we do in town.
Mr. Farmer: Well, between you and me, I think that's so.
Mr. Banker: The second most powerful agent in the advancement of the human race is that instrumentality by which all the resources of the human mind have been developed and brought into requisition in meeting the ever-increasing demands of mankind throughout the world. It has destroyed the supremacy of money, and provided the means by which the most humble of the race can place his foot upon the ladder of opulence. That instrumentality is credit.
Mr. Lawyer: I doubt whether such a proposition was ever thought of, certainly it has never been advanced to my knowledge before; but when you stop to think of it, I do not believe that anyone can successfully controvert that statement. Look about you, and imagine, if you can, what the condition of the people would have been without the advantage of credit. Who of all your acquaintances has not made his way to success by means of credit. Credit is certainly the gateway to opportunity, and opportunity is the everlasting hope of the world.
Mr. Banker: Mr. Lawyer, unless you stop your flow of eloquence upon this newly discovered means of human happiness, I will not get a chance to state the third greatest contributing cause to the uniform and universal development and advancement of mankind. It is steam and its modern companion electricity. Through the application of steam to ocean craft and railroads, transportation has brought the people of the whole world practically into one market zone, and we are now all eating the same food and wearing the same clothes, and to the last degree, every people, and broadly speaking, every man, is doing that which he can do most efficiently and profitably.
Mr. Manufacturer: Mr. Banker, you have certainly opened up an entirely new strain of thought to me; and yet when you grasp the full force of the idea, and comprehend fully these three elements or forces: printing, the general transmission or diffusion of thought or knowledge; credit, the fullest use of all our talents by opening up a world of opportunity; and transportation, the fullest exchange of all the products of the mind and hand of man, you have actually covered the realm of human life up to date. And yet, who ever thought of placing this relative importance upon credit. We have been discussing the comparative importance of gun powder that brought the knight and soldier to a common level, the cotton gin, electricity, the telegraph, the telephone, chemistry, surgery, wireless, printing and steam, but whoever heard of credit in this connection?
Mr. Merchant: What you say is distinctly true, but all these other things I can readily see are only additional facilities in making the three great fundamental instrumentalities for the advancement of the human race more efficient; and the more one thinks it over, the more impressive Mr. Banker's statement becomes.
First: Printing, the means of spreading knowledge;
Second: Credit, the fullest opportunity of developing and using the powers of mind and body;