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The prospect of gaining speedily what is ardently desired, and the certainty of obtaining by every accession of advantage an addition of security, have so far prevailed upon the passions of mankind, that the peace of life is destroyed by a general and incessant struggle for riches. It is observed of gold, by an old epigrammatist, that “To have it is to be in fear, and to want it is to be in sorrow.” There is no condition which is not disquieted either with the care of gaining or of keeping money; and the race of man may be divided in a political estimate between those who are practising fraud, and those who are repelling it.

If we consider the present state of the world, it will be found, that all confidence is lost among mankind, that no man ventures to act, where money can be endangered upon the faith of another. It is impossible to see the long scrolls in which every contract is included, with all their appendages of seals and attestation, without wondering at the depravity of those beings, who must be restrained from violation of promise by such formal and publick evidences, and precluded from equivocation and subterfuge by such punctilious minuteness. Among all the satires to which folly and wickedness have given occasion, none is equally severe with a bond or a settlement.

Of the various arts by which riches may be obtained, the greater part are at the first view irreconcileable with the laws of virtue; some are openly flagitious, and practised not only in neglect, but in defiance of faith and justice; and the rest are on every side so entangled with dubious tendencies, and so beset with perpetual temptations, that very few, even of those who are not yet abandoned, are able to preserve their innocence, or can produce any other claim to pardon than that they deviated from the right less than others, and have sooner and more diligently endeavoured to return.

One of the chief characteristicks of the golden age, of the age in which neither care nor danger had intruded on mankind, is the community of possessions: strife and fraud were totally excluded, and every turbulent passion was stilled by plenty and equality. Such were indeed happy times, but such times can return no more. Community of possession must include spontaneity of production; for what is obtained by labour will be of right the property of him by whose labour it is gained. And while a rightful claim to pleasure or to affluence must be procured either by slow industry or uncertain hazard, there will always be multitudes whom cowardice or impatience incite to more safe and more speedy methods, who strive to pluck the fruit without cultivating the tree, and to share the advantages of victory without partaking the danger of the battle. In later ages, the conviction of the danger to which virtue is exposed while the mind continues open to the influence of riches, has determined many to vows of perpetual poverty; they have suppressed desire by cutting off the possibility of gratification, and secured their peace by destroying the enemy whom they had no hope of reducing to quiet subjection. But, by debarring themselves from evil, they have rescinded many opportunities of good; they have too often sunk into inactivity and uselessness; and, though they have forborne to injure society, have not fully paid their contributions to its happiness.

While riches are so necessary to present convenience, and so much more easily obtained by crimes than virtues, the mind can only be secured from yielding to the continual impulse of covetousness by the preponderation of unchangeable and eternal motives. Gold will turn the intellectual balance, when weighed only against reputation; but will be light and ineffectual when the opposite scale is charged with justice, veracity, and piety.