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Updated: May 25, 2025
If we could get firm and good laws passed for the management of savings-banks, and then refrain from the amendments by which those laws are gradually broken down, we should do more for the non-capitalist class than by volumes of laws against "corporations" and the "excessive power of capital." We each owe to the other mutual redress of grievances.
The small deposits in the savings-banks have increased to an enormous extent, and in many places where the tenants have for some years refused to pay their rents, but have still kept the land, the women have learned to dress.
To call himself a man of progress was to declare himself a philosopher in all things and a puritan in politics; it declared him in favor of railroads, mackintoshes, penitentiaries, wooden pavements, Negro freedom, savings-banks, seamless shoes, lighting by gas, asphalt pavements, universal suffrage, and reduction of the civil list.
"Where do you keep your money, then?" growled the tramp. "In different savings-banks. I am ready to tell you, for it will do you no good." "I wish I'd known it sooner. I came here on a fool's errand." "I am glad you have found it out." "Now, what are you going to do with me!" "Keep you here till I can deliver you into the hands of the law." "That won't do you any good."
"It be nothin' to thee what a have," he said slowly; "but a don't mind 'ee knowin' so much, Jack, because 'ee can't get at un; haw, haw! Not unless 'ee robs the savings-bank." The dwarf's eyes twinkled, and he affected to secure some pictures that hung low, as he said carelessly, "Savings-banks be good places for a poor man to lay by in.
Had political exigencies been less pressing, the opposition to government guardianship of Negroes less bitter, and the attachment to the slave system less strong, the social seer can well imagine a far better policy, a permanent Freedmen's Bureau, with a national system of Negro schools; a carefully supervised employment and labor office; a system of impartial protection before the regular courts; and such institutions for social betterment as savings-banks, land and building associations, and social settlements.
Pelle was obliged to admit the truth of that. "Raise a loan," he advised. Lasse did try to do so. Every time he was in the town he went to the lawyers and the savings-banks. But he could not raise a loan on the land, as on paper it belonged to the commune, until, in a given number of years, the whole of the sum to which Lasse had pledged himself should be paid up.
This has been especially the case the last few years, during which time the city has extended in every direction in the manner indicated; and it is said the greater part of the deposits in the savings-banks, as well as their loans, have been made by and to people of the laboring class. This shows a general prosperity, and indicates a permanency of population not seen in many cities.
Through our money-order agency the sum we transmitted last year was a trifle over 27,870,000 pounds, while the deposits in our Savings-Banks amounted to over 9,166,000 pounds. Then as to telegraphs: there were But I forgot," said Solomon, checking himself, "Miss May is the proper authority on that subject. How many words was it you sent last year?"
One need only go over the experiences of the past two years, to compare the receipts of merchants who cater to the working-classes and the statements of savings-banks throughout the country, to read the story of how the foreign-born are learning the habit of criminal wastefulness as taught them by the American.
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