Fixity, then, has for most men an irresistible attraction.
And yet, when we consider the nature of man, and of his occupations, fixity would seem to be incompatible with them.
Go back in imagination to the origin of human society, and you will have difficulty in comprehending how men can ever succeed in obtaining from the community a fixed, assured, and constant quantity of the means of subsistence. Yet this is one of those phenomena which strike us less because we have them constantly before our eyes. We have public functionaries who receive fixed salaries; proprietors who can count beforehand on their revenues; men of fortune who can calculate on their dividends; workmen who earn every day the same wages. Apart from the consideration of money, which is only employed to facilitate exchanges and estimates of value, we perceive that what is fixed is the quantity of the means of subsistence, the value of the satisfactions received by the various classes of workmen. Now, I maintain that this fixity, which by degrees extends to all men and all departments of industry, is a miracle of civilisation, and a marvellous effect of that social state which, in our day, is so madly decried.
For, let us go back to a primitive social state, and suppose a nation of hunters, or fishers, or shepherds, or warriors, or agriculturists, to be told, “In proportion as you advance on the road of progress, you will know more and more beforehand what amount of enjoyment will be secured to you for each year,” they would not believe us. They would reply, “That must always depend on something which eludes calculation,—the inconstancy of the seasons, etc.” The truth is, they could form no idea of the ingenious efforts by means of which men have succeeded in establishing a sort of mutual assurance between all places and all times.
Now, this mutual assurance against all the risks and chances of the future is entirely dependent on a branch of human science which I shall denominate experimental statistics. This department [p354] of science, depending as it does upon experience, admits of indefinite progress, and consequently the fixity of which we have spoken also admits of indefinite progress. That fixity is favoured by two circumstances which are permanent in their operation: 1st, Men desire it. 2dly, They acquire every day greater facilities for realizing it.
Before showing how this fixity is established in human transactions, in which it is little thought of, let us first of all see how it operates in a transaction of which it is the special object. The reader will, in this way, comprehend what I mean by experimental statistics.
A number of men have each a house. One of these houses happens to be burnt down and its owner is ruined. All the rest immediately take alarm, and each says to himself, “The same thing may happen to me.” We cannot be surprised, then, that these proprietors should unite and divide the risk of such accidents as much as possible, by establishing a mutual assurance against fire. The bargain is very simple—here is its formula: “If the house of one of us is burnt down, the rest will club to make good the loss to the man who is burnt out.”
By this means each proprietor acquires a double security; in the first instance he must take a small share in all losses of this nature; but then he is assured that he will never himself be obliged to suffer the whole loss arising from any such misfortune.
In reality, and if we extend the calculation over a great number of years, we see that the proprietor makes, so to speak, a bargain with himself. He sets aside a sufficient fund to repair the misfortunes which may afterwards befall him.
This is association. Indeed it is to arrangements of this nature that the Socialists give exclusively the name of association. Whenever speculation intervenes, association, as they think, disappears. It is improved and perfected, as I think, and as we shall afterwards see.