upper hand of the tasks of life. He is fortifying himself against bad luck and disaster. He is developing his own character by the self-denial and the persistent pursuit of a selected purpose which he is obliged to practise. You find nowhere else such guarantees of sound judgment, sober reason, and moderate temper as are offered by the fact of saving. There is no other guarantee of good citizenship which is so simple and positive, and at the same time so far-reaching, as the possession of savings. The seats-full of savings bank depositors who went out of the lecture proved it.
The old classical saying was: he who has wife and children has given pledges to fortune. He has opened avenues by which misfortune can reach him through other lives. But capital is the chief means of protecting those dependents; it gives education to the children and puts them on a higher plane for the battle of life than that on which their parents stood. It is right to conceive of the human race on this earth as engaged in an endless battle with the conditions of existence, striving so to modify them that men may get more out of their lives in the way of satisfaction of the possibilities of human nature. For a century past the current popular notion has been that the way to win the battle is to "raise the lower classes." The notion seems to be that the vicious criminal and poverty-stricken classes are a certain number of human beings who are miserable or harmful. It is thought that, if this number can be cured of social disease, all will be well. This notion is based on childish misconceptions as to what society is and as to the nature of social disease. Projects to abolish poverty are worthy of an age which has undertaken to discuss the abolition of disease. Why not abolish death and be as gods once for all? Why not resolve that everybody shall be good and happy? Why
