s, yet that does not make the lottery lawful. Slot machines are
being put out of the cities, because so many are ready to part with
their nickels. If there were none ensnared by them, they could stand
harmless.

The borrower may be greatly elated with the hope of gain, but the
injustice is the same, whether the services be secured by compelling
force, or by guile, or by the folly of the victim.

If we admit the supremacy of man over the material creation, all
subordinate to him, and no right to be, except to serve him, and also
admit the equal rights of all men, there is no escape from the
conclusion that the usurer can have no rightful claims to any portion
of the labor of the borrower, without surrendering to him some portion
of his property as compensation for the services received. He must
have less property when the service is rendered and the borrower must
have more property if the rights of both are regarded.

A false impression prevails, that the lender in some way gives the
loan to the borrower; that the borrower becomes somewhat the owner of
the property. The borrower is encouraged in this illusion and it
becomes a plausible basis for the claim upon his services.

When a loan is made to a bank it is called a "deposit" and rightly,
for it is only placed in the banker's hands and does not in any part
become his. This is true of any amount, great or small, whether the
deposit draws interest or not. The lender never loses his sense of
ownership of the whole amount, nor does the banker encourage the
fiction that he has become part owner.

Every loan is but a "deposit." The ownership of no part passes to the
borrower. It is seldom that the loan or "deposit" is not safer in the
keeping of the borrower than in the hands of the owner himself, when
secured by mortgages or personal sureties. The usurer gains the
earnings of the borrower but parts with no property. He receives the
service but gives nothing.

Two usurers, A and B, are neighbors. A has a garden he wishes dug. He
has an ax but no hoe. B has wood that he wishes cut. He has a hoe but
no ax. The laborer appears and wishes to do their work. Usurer A
agrees to lend him his ax to cut B's wood on the condition that he
shall return it unimpaired and work his garden for its use.

He cuts the wood, but has no hoe to dig A's garden for the use of the
ax. Usurer B now lends the laborer his hoe to dig the garden, but
takes the cutting of the wood for the use of t