That night Young won handily. He felt especially pleased to win that night. He thought, "I'll stop the minute I have won back what I lost." But he did not win back what he had lost, and so played on the next night, and on the next. And so it went until he was brought to a stop with a jerk.
It came near the end of the term and of the year, shortly before the final examinations. The crowd had been playing nearly every night, and of late, somehow, Young had been losing nearly every time he played; but he said: "I can't afford to stop now. Surely this bad luck can't continue. I must win! I will win next time!" He could not stop. It is called "gambler's fever."
He could not sleep; he was neglecting his studies. He had used up all his allowance of "absences." He did not mind that, but he had within these few weeks lost—he would not allow himself to reckon how much! He had borrowed from the fellows, and he had been steadily drawing from the bank the precious money for which he had worked so hard, and which meant so much more to him than money meant to boys with monthly allowances from home. One morning he made out another check to his own order. "This is positively the last time," he said to himself. He had said that before, but this time it was true.
That night he began to lose with the first hand. He laughed, he played recklessly, he lost. He went home, and found a letter in his pocket while undressing which he had forgotten to open, in hurrying to the game. This letter said, "We beg leave to call your attention to the fact that your account seems to be overdrawn to the amount of seventy-five cents." It was from the Princeton Bank.
This meant that William Young owned not a cent in the world, and was a debtor even to the bank besides owing various sums to his companions. He was bankrupt. It was pretty bad. But that was not the worst of it. That was not the reason he stood by the table letting his lamp smoke while he kept staring at the letter in his hand.
He had kept with his personal account the fund of his class, and every cent of it was gone with the rest. He had held it in trust as treasurer. It had amounted to something over one hundred dollars.
But he had drawn it out unconsciously? No; he knew he had used all his own money long ago.
But surely he had meant to return what he had borrowed from the class fund? Oh, yes; but this kind of "borrowing" is called embezzlement—an ugly word. It really means theft and breach of trust combined.
Young could not take it all in at first. For awhile he stood there, saying to himself, "Isn't it funny this letter was in my pocket all the evening while I was playing—isn't it funny?"
Then he looked up, sniffed, and said, "That lamp is smoking." He turned it down, and stared at the flame for nearly a minute. Then suddenly he blew it out, and was alone in the darkness.