In a word, then, we believe that the cause why wealth is so unstable a thing in this country, lies in the free scope that every man’s selfish impulses find, and instability is only a salutary reaction. And, in this seeming evil, we recognize a Divine Providence, still educing good.

A change in our form of government, as some have thought, cannot, therefore, effect a remedy for the evil which so many lament. Nor is it to be found in penal statutes. It will come only when the whole nation, as one man, shall be guided in every transaction, small and great, by justice and judgment, and not till then. In the mean time, it is every man’s duty, who sees and acknowledges this truth, to do all in his power to give it vitality in the minds of the people.

CHAPTER II.
HUMAN PRUDENCE.

“It’s my opinion, Mr. Carlton, that every man who remains poor through life, or who, once possessing wealth, loses it, has only himself to blame. I am out of all patience with these constant failures that occur in the mercantile community, and set them all down to sad mismanagement, or utter incapacity for business; and I am equally out of patience with the unceasing murmurs of those who have not the means of supplying their wants. The fault, in both cases, is with the individual, and no where else.”

“The fault may be, and doubtless is, to some extent, in the individual, but I am satisfied that you are in error in the broad ground you take, Mr. Townsend. Above and beyond man’s will and action, is a Power that rules events. Human prudence is not every thing in fact, it is nothing, when it comes in opposition to the designs of Providence.”

“Your profession, as a minister, naturally leads you to such conclusions,” replied the merchant. “But, as a man of business and close observation of men and things, I am satisfied that, in the ordinary pursuits of life, Providence interferes but little; and that all, or nearly all, of success or failure is chargeable to man’s own efficient or inefficient action.”

“I will grant that it is chargeable to his ends, and to his actions, so far as they are influenced by his ends. But that the mere possession of mercantile ability, and the means of engaging in trade, will give a man wealth and its permanent enjoyments, I seriously doubt.”

“I am not sure, Mr. Carlton, that I understand what you mean by the first sentence of your last remark.”

“About a man’s ends influencing his external condition?”

“Yes.”