A life and accident insurance system would be worked out in all its details, and a sufficient part of the annual rental of $120 a year set apart for that purpose to provide both accident and life insurance for every Homecrofter during the five year period of service in the reserve. In the event of the death or permanent disability of any Homecrofter, either in time of peace or during actual warfare, the fee simple title to an acre Homecroft in lieu of a pension should vest in his heirs or in the person who would have been entitled to a pension if the general pension system had been applicable to the case. In this way the burden on the people of an enormous pension roll as the aftermath of a war would be obviated. The value of the Homecroft secured in lieu of a pension would be much more than $1000. It would not only furnish a permanent home for the survivors, but a home that would yield them a living and $500 or $1000 a year and over as the income from fruit, berries, vegetables, and poultry produced on the Homecroft.
The advantages to the family of the Reservist of this plan over the ordinary pension system is too manifest to need comment. Its advantage to the people can be appreciated when we bear in mind that the amount already paid out for pensions on account of the Civil War is $4,457,974,496.47 and $46,092,740.84 more on account of the Spanish-American and Philippine Wars.
The Homecrofts that would go to the families of Reservists under this plan would not be located in the same communities as those occupied by active Reservists, but in Homecroft Rural Settlements created and organized for the special purpose of Homecroft grants in lieu of pensions or life insurance or accident insurance. The right to a Homecroft in lieu of a pension should arise not only in case of death, but also in the event of any serious permanent injury disabling the Reservist from active service or from labor in ordinary commercial or industrial vocations.
That is what the Homecroft Reserve System would offer to the individual Homecrofter. Is there any doubt that it is a good proposition for him and his family?
The chief difficulty in bringing the public to a realization of the advantages of the Homecroft Reserve System, particularly its financial advantages, is to get away from the common idea that a thing can be done on a small scale, but not on a large scale. Many things can be done on a large scale better and more economically than on a small scale, and this is one of them.
The problem of providing adequately for the national defense of a country as big as the United States is a large problem and must be solved in a large way.
The total amount that it would be necessary for the United States to invest, in order to permanently establish a Homecroft Reserve of 5,000,000 trained soldiers, would be less than it has already paid out for pensions; and its whole investment in the Homecroft Reserve Establishment would be returned to the government with interest. The amount the United States has already paid for pensions amounts to $4,729,957,370.65. Within two years it will have exceeded five billion dollars.
Most people lose sight of the magnitude of the present appropriations, expenditures, and operations of the United States, as well as of their wastefulness under the present military system. We are spending over $100,000,000 a year on a standing army of less than 100,000 enlisted men. That amounts to a billion dollars in ten years. It is five billion dollars in fifty years. And we may be certain that five billion dollars will be spent, and probably much more, in the next fifty years on a standing army. When that has been spent it is absolutely gone, just as much as though it had been invested in fire crackers and they had all been set off and there was nothing left, not even noise.
It is not contended that this country should spend less than $100,000,000 a year on its army, but it is contended that it should not spend more. And for what it does spend it should get larger results. $100,000,000 a year ought to be enough to maintain an army enlisted to the full strength of 100,000 men to which the army is now limited by Act of Congress. In addition it should support the necessary organization and training schools to furnish all the officers required for the National Construction Reserve and for the National Homecroft Reserve. The officers of the Homecroft Reserve should be permanently located as residents of the community where their regiment is established.
The officers for the National Construction Reserve should be attached to the Regular Army except when detailed for the work of training those reserves during the period set apart for that work each year. At least one-half of the rank and file of a regular force of 100,000 men in the Standing Army should be composed of men trained for service as officers in the National Construction Reserve, and available for instant transformation into such officers. The training of those officers should be one of the most important functions of the Regular Army. The Army should forthwith take up that work and cease any further connection with the civil work of internal improvements.