The Art of Borrowing Further Explained, and an Account of a Strange Phenomenon.
In this manner did the artful incendiary work upon the passions of the credulous unsuspecting Hungarian, who pressed him to his breast with the most cordial expressions of friendship, calling him his guardian, his saviour, his second father, and gave himself up wholly to his advice.
Next morning, according to the plan they had laid overnight, they repaired to a tavern in the neighbourhood of the person to whom our adventurer had been directed, and were fortunate enough to find him in the house, transacting a money affair with a young gentleman who treated him with his morning’s whet.
That affair being negotiated, he adjourned into another room with Renaldo and his companion, who were not a little surprised to see this minister of Plutus in the shape of a young sprightly beau, trimmed up in all the foppery of the fashion; for they had hitherto always associated with the idea of an usurer old age and rusty apparel. After divers modish congees, he begged to know to what he should attribute the honour of their message; when Ferdinand, who acted the orator, told him, that his friend Count Melvil, having occasion for a sum of money, had been directed to a gentleman of his name, “and, I suppose,” added he, “you are the son of the person with whom the affair is to be negotiated.”
“Sir,” said this petit-maitre, with a smile, “I perceive you are surprised to see one of my profession in the appearance of a gentleman; and perhaps your wonder will not cease, when I tell you, that my education was liberal, and that I once had the honour to bear a commission in the British army. I was indeed a first lieutenant of marines, and will venture to say, that no officer in the service was more delicate than myself in observing all the punctilios of honour. I entertained the utmost contempt for all the trading part of the nation, and suffered myself to be run through the body in a duel, rather than roll with a brother-lieutenant, who was a broker’s son. But, thank Heaven! I have long ago conquered all those ridiculous prejudices. I soon observed, that without money there was no respect, honour, or convenience to be acquired in life; that wealth amply supplied the want of wit, merit, and pedigree, having influence and pleasure ever at command; and that the world never failed to worship the flood of affluence, without examining the dirty channels through which it commonly flowed.
“At the end of the war, finding my appointments reduced to two shillings and fourpence per day, and being addicted to pleasures which I could not possibly purchase from such a fund, I sold my half-pay for two hundred pounds, which I lent upon bond to a young officer of the same regiment, on condition that he should insure his life, and restore one-fourth part of the sum by way of premium. I happened to be lucky in this first essay; for the borrower, having in six weeks expended the money, made an excursion on the highway, was apprehended, tried, convicted of felony, and cut his own throat, to prevent the shame of a public execution; so that his bond was discharged by the insurers.
“In short, gentlemen, when I engaged in this business, I determined to carry it on with such spirit, as would either make my fortune, or entirely ruin me in a little time; and hitherto my endeavours have been tolerably successful. Nor do I think my proceedings a whit more criminal or unjust than those of other merchants, who strive to turn their money to the best account. The commodity I deal in is cash; and it is my business to sell it to the best advantage. A London factor sends a cargo of goods to market, and if he gets two hundred per cent upon the sale, he is commended for industry and address. If I sell money for one-fourth part of that profit, certain persons will be so unjust as to cry, Shame upon me, for taking such advantage of my neighbour’s distress; not considering, that the trader took four times the same advantage of those people who bought his cargo, though his risk was not half so great as mine, and although the money I sold perhaps retrieved the borrower from the very jaws of destruction. For example, it was but yesterday I saved a worthy man from being arrested for a sum of money, for which he had bailed a friend who treacherously left him in the lurch. As he did not foresee what would happen, he had made no provision for the demand, and his sphere of life secluding him from all sorts of monied intercourse, he could not raise the cash by his credit in the usual way of borrowing; so that, without my assistance, he must have gone to jail; a disgrace which would have proved fatal to the peace of his family, and utterly ruined his reputation.— Nay, that very young gentleman, from whom I am just now parted, will, in all probability, be indebted to me for a very genteel livelihood. He had obtained the absolute promise of being provided for by a great man, who sits at the helm of affairs in a neighbouring kingdom; but, being destitute of all other resources, he could not have equipped himself for the voyage, in order to profit by his lordship’s intention, unless I had enabled him to pursue his good fortune.”
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.
“Sir,” said the lender, addressing himself to Count Melvil, “I pretend to have acquired by experience some skill in physiognomy; and though there are some faces so deeply disguised as to baffle all the penetration of our art, there are others, in which the heart appears with such nakedness of integrity, as at once to recommend it to our goodwill. I own your countenance prepossesses me in your favour; and you shall be accommodated, upon those terms from which I never deviate, provided you can find proper security, that you shall not quit the British dominions; for that, with me, is a condition sine qua non.”
This was a very disagreeable declaration to Renaldo, who candidly owned, that, as his concerns lay upon the Continent, his purpose was to leave England without delay. The usurer professed himself sorry that it was not in his power to oblige him; and, in order to prevent any further importunity, assured them, he had laid it down as a maxim, from which he would never swerve, to avoid all dealings with people whom, if need should be, he could not sue by the laws of this realm.
Thus the intervention of one unlucky and unforeseen circumstance blasted in an instant the budding hopes of Melvil, who, while his visage exhibited the most sorrowful disappointment, begged to know, if there was any person of his acquaintance who might be less scrupulous in that particular.
The young gentleman directed them to another member of his profession, and wishing them success, took his leave with great form and complaisance. This instance of politeness was, however, no more than a shift to disengage himself the more easily from their entreaties; for, when the case was opened to the second usurer, he blessed himself from such customers, and dismissed them with the most mortifying and boorish refusal. Notwithstanding these repulses, Renaldo resolved to make one desperate push; and, without allowing himself the least respite, solicited, one by one, not fewer than fifteen persons who dealt in this kind of traffic, and his proposals were rejected by each. At last, fatigued by the toil, and exasperated at the ill success of his expedition, and half mad with the recollection of his finances, which were now drained to half-a-crown, “Since we have nothing to expect,” cried he, “from the favour of Christians, let us have recourse to the descendants of Judah. Though they lie under the general reproach of nations, as a people dead to virtue and benevolence, and wholly devoted to avarice, fraud, and extortion, the most savage of their tribe cannot treat me with more barbarity of indifference, than I have experienced among those who are the authors of their reproach.”
Although Fathom looked upon this proposal as an extravagant symptom of despair, he affected to approve of the scheme, and encouraged Renaldo with the hope of succeeding in another quarter, even if this expedition should fail; for, by this time, our adventurer was half resolved to export him at his own ............