171. Such, my Lord, have been the triumphs of the modern Evangel of Usury, Competition, and Private Enterprise, in a perfectly clear instance of their action, chosen I hope with sufficient candor, since "History," says Professor Hind, "does not furnish another example of an association of private individuals exerting a powerful influence over so large an extent of the earth's surface and administering their affairs with such consummate skill, and unwavering devotion to the original objects of their incorporation."
That original object being, of course, that poor naked America, having yet in a manner two coats, might be induced by these Christian merchants to give to him that had none?
In like manner, may any Christian householder, who has two houses or perchance two parks, ever be induced to give to him that hath none? My temper and my courtesy scarcely serve me, my Lord, to reply to your assertion of the "inevitableness" that, while half of Great Britain is laid out in hunting-grounds for sport more savage than the Indians, the poor of our cities must be swept into incestuous heaps; or into dens and caves which are only tombs disquieted, so changing the whiteness of Jewish sepulchers into the blackness of Christian ones, in which the hearts of the rich and the homes of the poor are alike as graves that appear not;—only their murmur, that sayeth "it is not enough," sounds deeper beneath us every hour; nay, the whole earth, and not only the cities of it, sends forth that ghastly cry; and her fruitful plains have become slime-pits, and her fair estuaries, gulfs of death; for us, the Mountain of the Lord has become only Golgotha, and the sound of the new song before the Throne is drowned in the rolling death-rattle of the nations, "Oh Christ; where is thy victory?"
These are thy glorious works, Mammon parent of Good,—and this the true debate, my Lord of Manchester, between the two Angels of your Church,—whether the "Dreamland" of its souls be now, or hereafter,—now, the firelight in the cave, or hereafter, the sunlight of Heaven.
172. How, my Lord, am I to receive, or reply to, the narrow concessions of your closing sentence? The Spirit of Truth was breathed even from the Athenian Acropolis, and the Law of Justice thundered even from the Cretan Sinai; but for us, He who said, "I am the Truth," said also, "I am the Way, and the Life;" and for us, He who reasoned of Righteousness, reasoned also of Temperance and Judgment to come. Is this the sincere milk of the Word, which takes the hope from the Person of Christ, and the fear from the charge of His apostle, and forbids to English heroism the perilous vision of Immortality? God be with you, my Lord, and exalt your teaching to that quality of Mercy which, distilling as the rain from Heaven—not strained as through channels from a sullen reservoir-may soften the hearts of your people to receive the New Commandment, that they Love one another. So, round the cathedral of your city, shall the merchant's law be just, and his weights true; the table of the money-changer not overthrown, and the bench of the money-lender unbroken.
And to as many as walk according to this rule, Peace shall be on them, and Mercy, and upon the Israel of God.
173. With the preceding letter must assuredly end—for the present, if not forever—my own notes on a subject of which my strength no longer serves me to endure the stress and sorrow; but I may possibly be able to collect, eventually, into more close form, the already manifold and sufficient references scattered through Fors Clavigera: and perhaps to reprint for the St. George's Guild the admirable compendium of British ecclesiastical and lay authority on the subject, collected by John Blaxton, preacher of God's Word at Osmington in Dorsetshire, printed by John Norton under the title of "The English Usurer," and sold by Francis Bowman, in Oxford, 1631. A still more precious record of the fierce struggle of usury into life among Christians, and of the resistance to it by Venice and her "Anthony,"[131] will be found in the dialogue "della Usura," of Messer Speron Sperone (Aldus, in Vinegia, MDXIII.), followed by the dialogue "del Cathaio," between "Portia, sola, e fanciulla, fame, e cibo, vita, e morte, di ciascuno che la conosce," and her lover Moresini, which is the source of all that is loveliest in the Merchant of Venice. Readers who seek more modern and more scientific instruction may consult the able abstract of the triumph of usury, drawn up by Dr. Andrew Dickson White, President of Cornell University ("The Warfare of Science," H. S. King & Co., 1877), in which the victory of the great modern scientific principle, that two and two make five, is traced exultingly to the final overthrow of St. Chrysostom, St. Jerome, St. Bernard, St. Thomas Aquinas, Luther, and Bossuet, by "the establishment of the Torlonia family in Rome." A better collection of the most crushing evidence cannot be found than this, furnished by an adversary; a less petulant and pompous, but more earnest voice from America, "Usury the Giant Sin of the Age," by Edward Palmer (Perth Amboys, 1865), should be read together with it. In the meantime, the substance of the teaching of the former Church of England, in the great sermon against usury of Bishop Jewell, may perhaps not uselessly occupy one additional page of the Contemporary Review:—
174. "Usury is a kind of lending of money, or corne, or oyle, or wine, or of any other thing, wherein, upon covenant and bargaine, we receive againe the whole principall which we delivered, and somewhat more, for the use and occupying of the same; as if I lend 100 pound, and for it covenant to receive 105 pound, or any other summe, greater then was the summe which I did lend: this is that which we call usury: such a kind of bargaining as no good man, or godly man ever used. Such a kind of bargaining as all men that ever feared God's judgments have alwaies abhorred and condemned. It is filthy gaines, and a worke of darkenesse, it is a monster in nature: the overthrow of mighty kingdoms, the destruction of flourishing States, the decay of wealthy cities, the plagues of the world, and the misery of the people: it is theft, it is the murthering of our brethren, its the curse of God, and the curse of the people. This is Usury. By these signes and tokens you may know it. For wheresoever it raigneth all those mischiefes ensue.
"Whence springeth usury? Soone shewed. Even thence whence theft, murder, adultery, the plagues, and destruction of the people doe spring. All these are the workes of the divell, and the workes of the flesh. Christ telleth the Pharisees, You are of your father the divell, and the lusts of your father you will doe. Even so may it truely be sayd to the usurer, Thou art of thy father the divell, and the lusts of thy father thou wilt doe, and therefore thou hast pleasure in his workes. The divell entered into the heart of Judas, and put in him this greedinesse, and covetousnesse of game, for which he was content to sell his master. Judas's heart was the shop, the divell was the foreman to worke in it. They that will be rich fall into tentation and snares, and into many foolish and noysome lusts, which drowne men in perdition and destruction. For the desire of money is the roote of all evil. And St. John saith, Whosoever committeth sinne is of the Divell, 1 Joh. 3-8. Thus we see that the divell is the planter, and the father of usury.