A railroad is a moneyed interest.
If the owners of a produce interest wish any money, they sell their produce and buy money.
If the owners of a moneyed interest wish any produce, they sell their money and buy produce.
When prices rise produce interests gain.
When produce interests gain, moneyed interests lose.
When prices fall, moneyed interests gain.
When moneyed interests gain, produce interests lose.
Moneyed interests and produce interests cannot both gain or both lose at the same time.
When prices are falling, money can be hoarded without loss.
When prices are rising, money cannot be hoarded without loss.