There is no situation so full of responsibility as that of a banker—no trust so sacred as that which is confided to him. When he fails, it is not the ruin of one man which is accomplished: it is the ruin of hundreds—perhaps thousands. The effects of that one failure are ramified through a wide section of society: widows and orphans are reduced to beggary—and those who have been well and tenderly nurtured are driven to the workhouse.
And yet the law punishes not the great banker who fails, and who involves thousands in his ruin. The petty trader who breaks for fifty pounds is thrown into prison, and is placed at the tender mercy of the Insolvents' Court, which perhaps remands him to a debtor's gaol for a year, for having contracted debts without a reasonable chance of paying them. But the great banker, who commenced business with a hundred thousand pounds, and who has dissipated five hundred thousand belonging to others, applies to the Bankruptcy Court, never sees the inside of a prison at all, and in due time receives a certificate, which clears him of all his liabilities, and enables him to begin the world anew. The petty trader passes a weary time in gaol, and is then merely emancipated from his confinement—but not from his debts. His future exertions are clogged by an impending weight of liability. One system or the other is wrong:—decide, O ye legislators who vaunt "the wisdom of your ancestors," which should be retained, and which abolished,—or whether both should be modified!
* * * * *
In the course of the evening the Earl of Warrington called upon Mrs. Arlington, with whom he passed a few minutes alone in the drawing-room.
When his lordship had taken his departure, Diana returned to Eliza whom she had left in another apartment, and, placing a quantity of letters, folded, but unsealed, in her hands, said, "These are the means of introduction to some of the first families in Montoni. They are written, I am informed, by an Italian nobleman of great influence, and whose name will act like a talisman in your behalf. They are sent unsealed according to usage; but the earl has earnestly and positively desired that their contents be not examined in this country. He gave this injunction very seriously," added Diana, with a smile, "doubtless because he supposed that he has to deal with two daughters of Eve whose curiosity is invincible. He, however, charged me to deliver this message to you as delicately us possible."
"These letters," answered Eliza, glancing over their superscriptions, "are addressed to strangers and not to me; and although I know that they refer to me, I should not think of penetrating into their contents, either in England or elsewhere. But did you express to the earl all the gratitude that I feel for his numerous and signal deeds of kindness?"
"The earl is well aware of your grateful feelings," replied Mrs. Arlington. "Can you suppose that I would forget to paint all you experience for what he has already done, and what he will still do for you? He will see you for a moment ere your departure to-morrow, to bid you farewell."
"I appreciate that act of condescension on his part," observed Eliza, affected even to tears, "more than all else that he has ever yet done for me!"
* * * * *
On the following day Eliza Sydney, accompanied by the faithful Louisa, and attended by an elderly valet who had been for years in the service of the Earl of Warrington, took her departure from London, on her way to the Grand Duchy of Castelcicala.