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It is, however, strange to reflect how weak man's imagination is when it comes to deal with what is beyond him, how little able he is to devise anything that he desires to do when he has escaped from life. The unsubstantial heaven of a Buddhist, with its unthinkable Nirvana, is merely the depriving life of all its attributes; the dull sensuality of the Mohammedan paradise, with its ugly multiplication of gross delights; the tedious outcries of the saints in light which make the medieval scheme of heaven into one protracted canticle--these are all deeply unattractive, and have no power at all over the vigorous spirit. Even the vision of Socrates, the hope of unrestricted converse with great minds, is a very unsatisfying thought, because it yields so little material to work upon.

On the other side, the commodities of usury are, first, that howsoever usury in some respect hindereth merchandizing, yet in some other it advanceth it; for it is certain that the greatest part of trade is driven by young merchants, upon borrowing at interest; so as if the usurer either call in, or keep back, his money, there will ensue, presently, a great stand of trade. The second is, that were it not for this easy borrowing upon interest, men's necessities would draw upon them a most sudden undoing; in that they would be forced to sell their means (be it lands or goods) far under foot; and so, whereas usury doth but gnaw upon them, bad markets would swallow them quite up. As for mortgaging or pawning, it will little mend the matter: for either men will not take pawns without use; or if they do, they will look precisely for the forfeiture. I remember a cruel moneyed man in the country, that would say, The devil take this usury, it keeps us from forfeitures, of mortgages and bonds. The third and last is, that it is a vanity to conceive, that there would be ordinary borrowing without profit; and it is impossible to conceive, the number of inconveniences that will ensue, if borrowing be cramped. Therefore to speak of the abolishing of usury is idle. All states have ever had it, in one kind or rate, or other. So as that opinion must be sent to Utopia.


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