Along with this change in farm values goes the increase or decrease in the number of tenant farmers and the shifting of the ownership of land to farm landlords. In some parts of the country this exploitation has taken a purely speculative form. In all parts it is speculative in character, but in some sections of the country the exploiters are themselves farmers and the process is imposed upon the farmers themselves by economic causes. This is true of the Illinois and Indiana lands, which are under the influence of a system of drainage, but there are other portions of the country in which the process is chiefly speculative. In some Western States the exploitation of farm land is in the hands of speculators themselves, doing real estate business purely as a matter of trade. It would be a mistake, however, to attribute a process so general as this one to the power exerted by a class of real estate agents. Its causes are deeper than the commercial process. They go into the very roots of modern life. This should be clearly understood, because when frankly realized it compels the adjustment of social, educational and religious work to the period of exploitation.
The effect of this process is upon all the life of country people. It has created its own class of men. There was no intention in the mind of earlier Americans that we should ever have a tenant class in America. The assumption on which all our ideals are built has been that we would be a land-owning people, but we are confronted with a tenantry problem as difficult as any in the world. The process of exploiting land has added to the social and economic life of the country the farm landlord, whose influence upon the immediate future of the American country community, church and school, in all sections will be great, and in many communities will be dominating.
The exploitation of land has produced the retired farmer. He is a pure example of the weakness of the exploiter economy. Originally he was a homesteader, or perhaps a purchaser of cheap land in the early days. He expected not to remain a farmer, but hoped for removal to the East or to a college town. The motives which animated him were varied, but among them none was so prominent as a desire for better education than was provided for his children in the country community of the farmer type. So that at forty or fifty years of age he seized an opportunity to sell his land, as the prices were rising, and retired to the town with a cash fortune for investment.
Immediately the economic forces to which he had submitted himself made of him a new type, for the retired farmer in the Middle West is a characteristic type of the leading towns and cities. Some whole streets in large centers are peopled with retired farmers. The civic policies of scores of small municipalities are controlled in a measure by them, so that journalists, religious leaders, reformers and politicians have very clear-cut opinions as to the value of the retired farmer.
The analysis of this situation is as follows. While the land which he sold continued to increase in value, his small fortune began to diminish in value. The interest on his money has been less every ten years; whereas he formerly could loan at first for six and sometimes seven per cent, he cannot loan safely now for more than five or six per cent.
Meantime the prices of all things he has to buy are expressed in cash,—no longer in kind as on the farm; and these cash prices are growing. In the past decade they have almost doubled. This means that he is a poorer man. His money has a diminished purchasing power and he has a smaller yearly income.
In addition to this, his wants, and the wants of the members of the family are increased two or three times. They cannot live as they lived on the farm. They cannot dress as they dressed in the country. The pressure of these increasing economic wants, demanding to be satisfied out of a diminished income, with higher prices for the things to be purchased, keeps the retired farmer a poor man. The result is that the retired farmer is opposed to every step of progress in the growing town in which he lives. He opposes every increase of taxation and fights every assessment. He dreads a subscription list and hates to hear of contributions. Although an intelligent and pious man, he has come to be an obstacle to the building of libraries, churches and schools and opposed to all humane and missionary activities. He is suffering from a great economic mistake.
Before leaving the exploiter it is to be said he also has his church. The exploiter has built no community. He has contributed the retired farmer to the large towns and small cities of the Middle West. It is natural, therefore, that few exploiter churches are found in the country. But in the larger centers there are churches whose doctrine and methods are those of the exploiter. Indeed, at the present time the exploiter's doctrine in ethics and religion is highly popular. It is the doctrine of the consecration of wealth.
There are in the larger cities churches whose business is to give; Sunday after Sunday they hear pleas and consider the cases of college presidents, superintendents of charities, secretaries of mission boards and other official solicitors. These churches have systematized the discipline of giving. Their boards of officers control the appeals that shall be made to their people. Such churches are highly individualist in character, and the preacher who ministers in such a church has a doctrine of individual culture and responsibility.
The exploiter's doctrine of systematic giving has gone into all of the communities in which prosperous people live. It has become a moral code for millionaires, and the response to it is annually measured in the great gifts of men of large means to institutions which exist for the use of all mankind.