Mr Cobden has undertaken another task which will have a not less beneficial influence on the stability of the labourer’s lot, and I doubt not he will succeed in it; for good service in the cause of truth is always triumphant. I refer to his efforts for the suppression of war, or, what is the same thing, for the infusion of the spirit of peace into that public opinion by which the question of peace or war comes always to be decided. War constitutes always the greatest disturbing force to which a nation can be subjected in its industry, in its commerce, in the disposal of its capital, even in its tastes. Consequently, it is a powerful cause of derangement and uneasiness to those classes who have difficulty in changing their employment. The more, of course, this disturbing force is lessened, the less onerous will the burdens be which fall upon benefit societies.
On the other hand, by dint of progress, by the mere lapse of time, the resources of these societies will be extended; and a day will come when they can undertake something more decisive—with a view to lessen the instability which is inherent in human affairs. These societies might then be transformed into Caisses de Retraite, or institutions for old age, and this will undoubtedly happen, since it is the ardent and universal desire of the working classes that it should be so.
And it is worthy of remark, that while material circumstances thus pave the way for such a transformation, moral circumstances arising from the influence of these very societies tend in the same direction. These societies develop among the working classes habits, qualities, and virtues, the possession and diffusion of which [p376] are in this respect an essential preliminary. When we examine the matter closely, we must be convinced that the creation of such societies presupposes a very advanced stage of civilisation. They are at once its effect and its reward. They could, in fact, have no existence if men had not been previously in the habit of meeting, of acting in concert, and of managing in common their own affairs; they could not exist if men were prone to vices which induce premature old age; nor could they exist were the working classes brought to think that everything is fair as against the public, and that a common fund is the object at which every one intent on fraud may legitimately take aim.
In order that the establishment of Caisses de Retraite should not give rise to discord and misunderstanding, the working classes should be made to feel that they must depend upon nobody but themselves; that the common fund must be voluntarily created by those who are to have the benefit of it; and that it is supremely unjust and anti-social to call for co-operation from other classes, who are to have no share in the advantage, and who can only be made to concur by means of the tax-gatherer, that is to say, by means of force. Now, we have not yet got that length—so far from it that the frequent appeals to the State show us but too plainly what are the hopes and pretensions of the working classes. They think that their benefit society should be fed and alimented by State subventions like that for public functionaries. And thus it is that one abuse always gives rise to another.
But if these Caisses de Retraite are to be maintained exclusively by the parties interested, may it not be said that they exist already, seeing that life assurance companies present combinations which enable every workman to provide for the future by the sacrifice of the present?
I have dwelt at great length upon friendly societies and Caisses de Retraite, although these institutions are only indirectly connected with the subject of this chapter. I have given way to the desire to exhibit mankind marching gradually on to the conquest of stability, or rather (for stability implies something stationary), emerging victorious from their struggle with uncertainty—uncertainty, that standing menace which mars all the enjoyments of life, that sword of Damocles which seems so fatally suspended over the human destinies. That this menace may be progressively and indefinitely rendered less formidable by reducing to an average the risks and chances of all times, of all places, and of all men, is certainly one of the most admirable social harmonies which can be presented to the view of the philosophic economist. [p377]
We must not, however, conclude that this victory depends upon these two institutions, the establishment of which may be more or less accidental. No; did experience even demonstrate these institutions to be impracticable, the human race would not the less find its way to fixity. It is enough to know that uncertainty is an evil, in order to be assured that it will be incessantly, and, sooner or later, successfully, combated; for such is the law of our nature.
If, as we have seen, the system of remunerating labour by wages is, as regards stability, a more advanced form of association between capital and labour, it still leaves too much room for the uncertain. As long as he continues to work, the labourer knows on what he has to depend. But how long will he have employment, and how long will he be fit for work? This is what he is ignorant of, and, as regards his future, it places before him a fearful problem for solution. The uncertainty which affects the capitalist is different. With him it is not a question of life or death. “I shall always derive an interest from my means; but will that interest be higher or lower?” That is the question which affects capital or anterior labour.
Sentimental philanthropists who see in this a frightful inequality which they desire to get rid of by artificial, sometimes by unjust and violent, means, do not consider that after all we cannot change the nature of things. Anterior labour must necessarily have more security than present labour, simply for this reason, that products already created must always present more certain resources than products which are yet to be created; that services already rendered, received, and estimated, present a more solid foundation for the future than services which are still in the state of supply. If you are not surprised that of two fishermen, the one who, having long laboured and saved, possesses lines, nets, boats, and some previous supply of fish, is more at ease as regards his future than the other who has absolutely nothing but his willingness to take part in the work, why should you be astonished that the social order presents to a certain extent the same differences? In order to justify the envy, the jealousy, the absolute spitefulness with which the labourer regards the capitalist, it would be necessary to conclude that the relative stability of the one is caused by the instability of the other. But it is the reverse which is true. It is precisely the capital which pre-exists in the hands of one man which is the guarantee of the wages of another, however insufficient that guarantee may appear. But for that capital, the uncertainty of the labourer would be still greater and more striking. Would the [p378] increase, and the extension to all, of that uncertainty be any advantage to the labourer?
Two men run equal risks, which we may represent, for each, as equal to 40. One of them succeeds so well, by his labour and his foresight, that he reduces the risks which affect him to 10. Those of his companion from the same cause, and in consequence of a mysterious solidarity, are reduced, not to 10, but to 20. What can be more just than that the man who has the greater merit should reap the greater reward? What more admirable than that the other should profit by the virtues of his neighbour? Now, this is just what philanthropy repudiates under the pretext that such an order of things is opposed to equality.