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Updated: June 19, 2025
But the usurer's burst of democratic spleen did not surprise his precocious and acute faculty of observation. He had before remarked, that it is the persons who fawn most upon an aristocracy, and profit the most by the fawning, who are ever at heart its bitterest disparagers. Why is this?
But he could talk about Babington, abusing the old family, and even about himself, and about New South Wales, and gold, and the coming voyage, without touching points which had been, and would be, specially painful. Not a word had ever been spoken between them as to Davis. There had, of course, been letters, very angry letters; but the usurer's name had never been mentioned.
Renaldo was not a little pleased to hear this harangue, to which Fathom replied with many florid encomiums upon the usurer's good sense and humane disposition; then he explained the errand of his friend, which was to borrow three hundred pounds, in order to retrieve his inheritance, of which he had been defrauded in his absence.
Morning after morning he would wait in that hated room; and then day after day, at two o'clock, he would attend the usurer's city haunt and generally all in vain. The patience of Mr. Snape was giving way, and the discipline even of the Internal Navigation felt itself outraged.
That his, of all others, should have been the hands to rescue his miserable child; that he should have been his protector and faithful friend; that he should have shown him that love and tenderness which, from the wretched moment of his birth, he had never known; that he should have taught him to hate his own parent and execrate his very name; that he should now know and feel all this, and triumph in the recollection; was gall and madness to the usurer's heart.
He grew seriously pensive, fell into hypochondria, and finally became fully convinced that his brush had served as a tool of the Devil; and that a portion of the usurer's vitality had actually passed into the portrait, and was now troubling people, inspiring diabolical excitement, beguiling painters from the true path, producing the fearful torments of envy, and so forth.
Then shall Yahn leave the earth at rest and trouble the shadows no more, but sit and gloat with his unseemly face over his hoard of Lives, for his soul is a usurer's soul.
"It is impossible to describe the state of rage in which he returned home. He almost killed my mother, he drove the children away, broke his brushes and easels, tore down the usurer's portrait from the wall, demanded a knife, and ordered a fire to be built in the chimney, intending to cut it in pieces and burn it.
To secure a loan is an evidence of confidence in his business ability, and an evidence of the appreciation of his character. It is a flattering compliment, and promising relief to a condition that seems hopeless, he permits the yoke of bondage to be fastened upon him. The usurer's slave is cheaper than the chattel. It requires less wealth to secure an equal amount of service.
Usury therefore came to be monopolized by aliens, exempt from the current ethical formulation, who were "protected," for a consideration, by the prince, just as dubious modern property interests may be protected by the political boss. Let us summarize the results of eight hundred years of experience in this method of dealing with the usurer's trade.
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