ledge as will suffice us for life. We may there see the
rapacious creditor at the same goal with the unfortunate debtor, whom he
has hunted through life, supplicating mercy which he never exercised,
and vainly attempting to recant a course of cruelty and persecution, by
mixing up his merited sufferings with the distresses of his abused
companions.

Goldsmith has said, that "every man is the architect of his own
fortune;" and perhaps there are few men, who, in the moments of their
deepest suffering, have not felt the force of this assertion. In high
life, embarrassments are generally to be attributed to the love of
gambling, prodigality, or some such sweeping vice, which no station can
control. Bankruptcies, or failures in trade, being common occurrences,
are seldom traced to their origin, too often found to be in expensive
habits, and overreaching or misguided speculations, and sometimes in the
treachery and villany of partners; and, amidst this bad system, so
nicely is credit balanced, that a run of ill luck, or a mere idle
whisper, is often known to destroy commercial character of a century's
growth. But in these cases it should be recollected, that the reputation
of the parties has probably been already endangered by some great
stretch of enterprize, calculated to excite envy or suspicion.

Debts of fashion, or those contracted in high life, are usually the most
unjust, probably the result of honesty being more a virtue of necessity
than of choice, and of the disgraceful system of imposing on the
extravagant and wealthy. Experience, it is granted, is a treasure which
fools must purchase at a high price; but however largely we may hold
possession of that commodity, it will not excuse that scheme of
bare-weight honesty, which some are apt to make the standard of their
dealings with the rich. A man of family, partly from indiscretion, and
from various other causes, becomes embarrassed; the clamours of his
creditors soon magnify his luxuries, but not a word is said about their
innumerable extortions, in the shape of commissions, percentages, and
other licensed modifications of cheatery, nor are they reckoned to the
advantage of the debtor. These may be practices of experience, custom,
and money-getting, but they are not rules of conscience. In truth, there
is not a more painful scene than the ruin of a young man of family.
There is so much vice and unprincipled waste opposed to indignant and
rapacious clamour, often acc