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Updated: July 11, 2025
This, in connection with all the other advantages derived from their investment, would afford to the public creditors a fair and liberal compensation for the use of their capital, and with this they should be satisfied. The lessons of the past admonish the lender that it is not well to be over-anxious in exacting from the borrower rigid compliance with the letter of the bond.
As I was always the borrower at that time, I certainly did not argue for paying more than was necessary. Among the most persistent and heated discussions I ever had were those with the dear old lady who kept the boarding-house where my brother William and I lived when we were away from home at school.
Years later Lydia discovered that the woman lived on borrowed money, money which never could and never would be repaid, and which the borrower had no intention of refunding. A hint dropped by Jean that there was somebody on the Riviera whom she desired to meet, without her father's knowledge, accompanied by the plain statement that she would pay all expenses, was quite sufficient for Mrs.
On looking over our bills receivable, then about six hundred thousand dollars, I found Meiggs, as principal or indorser, owed us about eighty thousand dollars all, however, secured by city warrants; still, he kept bank accounts elsewhere, and was generally a borrower.
The brother who, through misfortune became dependent, was able the sooner to repay his loan and return to independence and to self support. In the repetition of the law in Deut. 23:19, 20, there is no reference to the poverty of the borrower and it cannot by fair interpretation be limited to the poor.
Again, if the receiver of a loan for consumption loses what he has received by some accident, such as fire, the fall of a building, shipwreck, or the attack of thieves or enemies, he still remains bound: but the borrower for use, though responsible for the greatest care in keeping what is lent him and it is not enough that he has shown as much care as he usually bestows on his own affairs, if only some one else could have been more diligent in the charge of it has not to answer for loss occasioned by fire or accident beyond his control, provided it did not occur through any fault of his own.
The principal part of his business undoubtedly came from the side of the establishment with the short name; but it was known to the stable-fraternity that on occasion "Old Nick" would make an advance to a needy borrower who was "down on his luck" of at least fifteen per cent, of almost any article's value.
She has been a large borrower of capital to finance her enormous expansion of industry and commerce, and, above all, the gold supply of the world, which in the last resort is the foundation of credit, is not in her hands, nor can it be so long as British and American fleets keep the ocean highways over which that gold travels.
He is brought face to face with that enemy of his species, the borrower, and dares not speak with him in the gate. If he had a book-plate he would say, "Oh! certainly I will lend you this volume, if it has not my book-plate in it; of course, one makes a rule never to lend a book that has."
Many people protested that the rate of 10 per cent. was outrageous, and none but a wicked man would exact such a charge. I was accustomed to argue that money was worth what it would bring no one would pay 10 per cent., or 5 per cent., or 8 per cent. unless the borrower believed that at this rate it was profitable to employ it.
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