AGAINST BORROWING MONEY.

Sec. I. Plato in his Laws[881] does not permit neighbours to use one

another's water, unless they have first dug for themselves as far as the

clay, and reached ground that is unsuitable for a well. For clay, having

a rich and compact nature, absorbs the water it receives, and does not

let it pass through. But he allows people that cannot make a well of

their own to use their neighbour's water, for the law ought to relieve

necessity. Ought there not also to be a law about money, that people

should not borrow of others, nor go to other people's sources of income,

until they have first examined their own resources at home, and

collected, as by drops, what is necessary for their use? But nowadays

from luxury and effeminacy and lavish expenditure people do not use

their own resources, though they have them, but borrow from others at

great interest without necessity. And what proves this very clearly is

the fact that people do not lend money to the needy, but only to those

who, wanting an immediate supply, bring a witness and adequate security

for their credit, so that they can be in no actual necessity of

borrowing.[882]

Sec. II. Why pay court to the banker or trader? Borrow from your own table.

You have cups, silver dishes, pots and pans. Use them in your need.

Beautiful Aulis or Tenedos will furnish you with earthenware instead,

purer than silver, for they will not smell strongly and unpleasantly of

interest, a kind of rust that daily soils your sumptuousness, nor will

they remind you of the calends and the new moon, which, though the most

holy of days, the money-lenders make ill-omened and hateful. For those

who instead of selling them put their goods out at pawn cannot be saved

even by Zeus the Protector of Property: they are ashamed to sell, they

are not ashamed to pay interest on their goods when out at pawn. And yet

the famous Pericles made the ornament of Athene, which weighed forty

talents of fine gold, removable at will, for "so," he said, "we can use

the gold in war, and at some other time restore as costly a one." So

should we too in our necessities, as in a siege, not receive a garrison

imposed on us by a hostile money-lender, nor allow our goods to go into

slavery; but stripping our table, our bed, our carriages, and our diet,

of superfluities, we should keep ourselves free, intending to restore

all those things again, if we have good luck.

Sec. III. So the Roman matrons offered their gold and ornaments as

first-fruits to Pythian Apollo, out of which a golden cup was made and

sent to Delphi;[883] and the Carthaginian matrons had their heads shorn,

and with the hair cut off made cords for the machines and engines to be

used in defence of their country.[884] But we being ashamed of

independence enslave ourselves to covenants and conditions, when we

ought to restrict and confine ourselves to what is useful, and dock or

sell useless superfluities, to build a temple of liberty for ourselves,

our wives, and children. The famous Artemis at Ephesus gives asylum and

security from their creditors to debtors, when they take refuge in her

temple; but the asylum and sanctuary of frugality is everywhere open to

the sober-minded, affording them joyful and honourable and ample space

for much ease. For as the Pythian Priestess told the Athenians at the

time of the Median war that the god had given them wooden walls,[885]

and they left the region and city, their goods and houses, and took

refuge in their ships for liberty, so the god gives us a wooden table,

and earthenware plate, and coarse garments, if we wish to live free.

Care not for fine horses or chariots with handsome harness, adorned with

gold[886] and silver, which swift interest will catch up and outrun, but

mounted on any chance donkey or nag flee from the hostile and tyrannical

money-lender, not demanding like the Mede land and water,[887] but

interfering with your liberty, and lowering your status. If you pay him

not, he duns you; if you offer the money, he won't have it; if you are

selling anything, he cheapens the price; if you don't want to sell, he

forces you; if you sue him, he comes to terms with you; if you swear, he

hectors; if you go to his house, he shuts the door in your face; whereas

if you stay at home, he billets himself on you, and is ever rapping at

your door.

Sec. IV. How did Solon benefit the Athenians by ordaining that debtors

should no longer have to pay in person? For they are slaves to all

money-lenders,[888] and not to them only, what would there be so

monstrous in that? but to their slaves, who are insolent and savage

barbarians, such as Plato represents the fiery torturers and

executioners in Hades who preside over the punishment of the impious.

For they make the forum a hell for wretched debtors, and like vultures

devour and rend them limb from limb, "piercing into their bowels,"[889]

and stand over others and prevent their tasting their own grapes or

crops, as if they were so many Tantaluses. And as Darius sent Datis and

Artaphernes to Athens with manacles and chains in their hands for their

captives, so they bring into Greece boxes full of bonds and agreements,

like fetters, and visit the towns and scour the country round, sowing

not like Triptolemus harmless corn, but planting the toilsome and

prolific and never-ending roots of debts, which grow and spread all

round, and ruin and choke cities. They say that hares at once give birth

and suckle and conceive again, but the debts of these knaves and

barbarians give birth before they conceive; for at the very moment of

giving they ask back, and take up what they laid down, and lend what

they take for lending.

Sec. V. It is a saying among the Messenians, that "there is a Pylos before

Pylos, and another Pylos too." So it may be said with respect to these

money-lenders, "there is interest before interest, and other interest

too." Then of course they laugh at those natural philosophers who say

that nothing can come of nothing, for they get interest on what neither

is nor was; and they think it disgraceful to farm out the taxes, though

the law allows it, while they themselves against the law exact tribute

for what they lend, or rather, if one is to say the truth, defraud as

they lend, for he who receives less than he signs his name for is

defrauded. The Persians indeed think lying a secondary crime, but debt a

principal one, for lying frequently follows upon debt, but money-lenders

tell more lies, for they make fraudulent entries in their account-books,

writing down that they have given so-and-so so much, when they have

really given less. And the only excuse for their lying is covetousness,

not necessity, not utter poverty, but insatiable greediness, the outcome

of which is without enjoyment and useless to themselves, and fatal to

their victims. For neither do they farm the fields which they rob their

debtors of, nor do they inhabit their houses when they have thrust them

out, nor use their tables or apparel, but first one is ruined, and then

a second is hunted down, for whom the first one serves as a decoy. For

the bane spreads and grows like a fire, to the destruction and ruin of

all who fall into their clutches, for it consumes one after another; and

the money-lender, who fans and feeds this flame to ensnare many, gets no

more advantage from it but that some time after he can take his

account-book and read how many he has sold up, how many turned out of

house and home, and track the sources of his wealth, which is ever

growing into a larger pile.

Sec. VI. And do not think I say this as an enemy proclaiming war against

the money-lenders,

"For never did they lift my cows or horses,"[890]

but merely to prove to those who too readily borrow money what disgrace

and servitude it brings with it, and what extreme folly and weakness it

is. Have you anything? do not borrow, for you are not in a necessitous

condition. Have you nothing? do not borrow, for you will never be able

to pay back. Let us consider either case separately. Cato said to a

certain old man who was a wicked fellow, "My good sir, why do you add

the shame that comes from wickedness to old age, that has so many

troubles of its own?" So too do you, since poverty has so many troubles

of its own, not add the terrible distress that comes from borrowing

money and from debt; and do not take away from poverty its only

advantage over wealth, its freedom from corroding care. For the proverb

that says, "I cannot carry a goat, put an ox on my shoulder," has a

ridiculous ring. Unable to bear poverty, are you going to put on your

back a money-lender, a weight hard to carry even for a rich man? How

then, will you say, am I to maintain myself? Do you ask this, having two

hands, two legs, and a tongue, in short, being a man, to love and be

loved, to give and receive benefits? Can you not be a schoolmaster or

tutor, or porter, or sailor, or make coasting voyages? Any of these ways

of getting a livelihood is less disgraceful and difficult than to always

have to hear, "Pay me that thou owest."

Sec. VII. The well-known Rutilius went up to Musonius at Rome, and said to

him, "Musonius, Zeus Soter, whom you imitate and emulate, does not

borrow money." And Musonius smilingly answered, "Neither does he lend."

For you must know Rutilius, himself a lender, was bantering Musonius for

being a borrower. What Stoic inflatedness was all this! What need was

there to bring in Zeus Soter? For all nature teaches the same lesson.

Swallows do not borrow money, nor do ants, although nature has given

them no hands, or reason, or profession. But men have intellect in

excess, and so ingenious are they that they keep near them horses, and

dogs, and partridges, and jackdaws. Why then do you despair, who are as

impressible as a jackdaw, have as much voice as a partridge, and are as

noble as a dog, of getting some person to befriend you, by looking after

him, winning his affections, guarding him, fighting his battles? Do you

not see how many opportunities there are both on land and sea? As Crates

says,

"Miccylus and his wife, to ward off famine

In these bad times, I saw both carding wool."

And King Antigonus asked Cleanthes, when he saw him at Athens after a

long interval, "Do you still grind, Cleanthes?" And he replied, "I do, O

king, but for my living, yet so as not to desert philosophy." Such was

the admirable spirit of the man who, coming from the mill and

kneading-trough, wrote with the hand that had baked and ground about the

gods, and the moon, and stars, and the sun. But those kinds of labour

are in our view servile! And so that we may appear free we borrow money,

and flatter and dance attendance on slaves, and give them dinners and

presents, and pay taxes as it were to them, not on account of our

poverty (for no one lends money to a poor man), but from our love of

lavish expenditure. For if we were content with things necessary for

subsistence, the race of money-lenders would be as extinct as Centaurs

and Gorgons are; it is luxury that has created them as much as

goldsmiths, and silversmiths, and perfumers, and dyers in bright

colours. For we do not owe money for bread and wine, but for estates,

and slaves, and mules, and dining-rooms, and tables, and for our lavish

public entertainments, in our unprofitable and thankless ambition. And

he that is once involved in debt remains in it all his time, like a

horse bitted and bridled that takes one rider after another, and there

is no escape to green pastures and meadows, but they wander about like

those demons who were driven out of heaven by the gods who are thus

described by Empedocles:--

"Into the sea the force of heaven thrusts them,

The sea rejects them back upon the land;

To the sun's rays th' unresting earth remits them;

The sun anon whirls them to heaven again."

So one after another usurer or trader gets hold of the poor wretch,

hailing either from Corinth, or Patrae, or Athens, till he gets set on to

by them all, and torn to bits, and cut into mince-meat as it were for

his interest. For as a person who is fallen into the mire must either

get up out of it or remain in it, and if he turns about in it, and

wallows in it, and bedabbles his body all over in it, he contracts only

the greater defilement, so by borrowing from one person to pay another

and changing their money-lenders they contract and incur fresh interest,

and get into greater liabilities, and closely resemble sufferers from

cholera, whose case does not admit of cure because they evacuate

everything they are ordered to take, and so ever add to the disease. So

these will not get cleansed from the disease of debt, but at regular

times in the year pay their interest with pain and agony, and then

immediately another creditor presents his little account, so again their

heads swim and ache, when they ought to have got rid of their debts

altogether, and regained their freedom.

Sec. VIII. I now turn my attention to those who are rich and luxurious, and

use language like the following, "Am I then to go without slaves and

hearth and home?" As if any dropsical person, whose body was greatly

swollen and who was very weak, should say to his doctor, "Am I then to

become lean and empty?" And why not, to get well? And do you too go

without a slave, not to be a slave yourself; and without chattels, not

to be another man's chattel. Listen to a story about two vultures; one

was vomiting and saying it would bring its inside up, and the other who

was by said, "What harm if you do? For it won't be your inside you bring

up, but that dead body we devoured lately." And so any debtor does not

sell his own estate, or his own house, but his creditor's, for he has

made him by law master of them. Nay, but by Zeus, says one, my father

left me this field. Yes, and your father also left you liberty and a

status in the community, which you ought to value more than you do. And

your father begot you with hand and foot, but should either of them

mortify, you pay the surgeon to cut it off. Thus Calypso clad and

"dressed" Odysseus "in raiment smelling sweet,"[891] like the body of an

immortal, as a gift and token of her affection for him; but when his

vessel was upset and he himself immersed, and owing to this wet and

heavy raiment could hardly keep himself on the top of the waves, he

threw it off and stripped himself, and covered his naked breast with

Ino's veil,[892] and "swam for it gazing on the distant shore,"[893] and

so saved his life, and lacked neither food nor raiment. What then? have

not poor debtors storms, when the money-lender stands over them and

says, _Pay_?

"Thus spoke Poseidon, and the clouds did gather,

And lashed the sea to fury, and at once

Eurus and Notus and the stormy Zephyr

Blew all together."[894]

Thus interest rolls on interest as wave upon wave, and he that is

involved in debt struggles against the load that bears him down, but

cannot swim away and escape, but sinks to the bottom, and carries with

him to ruin his friends that have gone security for him. But Crates the

Theban, though he had neither duns nor debts, and was only disgusted at

the distracting cares of housekeeping, gave up a property worth eight

talents, and assumed the philosopher's threadbare cloak and wallet, and

took refuge in philosophy and poverty. And Anaxagoras left his

sheep-farm. But why need I mention these? since the lyric poet

Philoxenus, obtaining by lot in a Sicilian colony much substance and a

house abounding in every kind of comfort, but finding that luxury and

pleasure and absence of refinement was the fashion there, said, "By the

gods these comforts shall not undo me, I will give them up," and he left

his lot to others, and sailed home again. But debtors have to put up

with being dunned, subjected to tribute, suffering slavery, passing

debased coin, and like Phineus, feeding certain winged Harpies, who

carry off and lay violent hands on their food, not at the proper season,

for they get possession of their debtors' corn before it is sown, and

they traffic for oil before the olives are ripe; and the money-lender

says, "I have wine at such and such a price," and takes a bond for it,

when the grapes are yet on the vine waiting for Arcturus to ripen them.

[881] Page 844, A. B. C.

[882] Reading with Wyttenbach [Greek: didousi] and

[Greek: echousi].

[883] See Livy, v. 25.

[884] See Appian, lv. 26.

[885] See Herodotus, vii. 141-143; viii. 51.

[886] Reading with Reiske [Greek: katachrusa].

[887] The technical term for submission to an enemy. See

Pausanias, iii. 12; x. 20. Herodotus, v. 17, 18; vii.

133.

[888] Reading with Reiske [Greek: daneistais]. Perhaps

[Greek: aphanistais] originally came after [Greek:

agriois], and got somehow displaced.

[889] See Homer, "Odyssey," xi. 578, 579, and context.

[890] Homer, "Iliad," i. 154.

[891] "Odyssey," v. 264.

[892] "Odyssey," v. 333-375.

[893] "Odyssey," v. 439.

[894] "Odyssey," v. 291-295.

WHETHER "LIVE UNKNOWN" BE A WISE

PRECEPT.

Sec. I. He who uttered this precept[895] certainly did not wish to live

unknown, for he uttered it to let all the world know he was a superior

thinker, and to get to himself unjust glory by exhorting others to shun

glory.

"I hate the wise man for himself not wise."[896]

They say that Philoxenus the son of Eryxis and Gnatho the Sicilian,

being exceedingly greedy where good fare was going, would blow their

nose in the dishes, to disgust all others at the table, that they alone

might take their fill of the choicest dishes. So those that are

insatiable pursuers of glory calumniate glory to others who are their

rivals, that they may get it without antagonists. In this they resemble

rowers, who face the stern of the vessel but propel it ahead, that by

the recoil from the stroke of their oars they may reach port, so those

that give vent to precepts like this pursue glory with their face turned

in the opposite direction. For otherwise what need was there to utter a

precept like this, or to write and hand it down to posterity, if he

wished to live unknown to his own generation, who did not wish to live

unknown to posterity?

Sec. II. Look at the matter in the following way.[897] Has not that "live

unknown" a villainous ring, as though one had broken open graves? Is

your life so disgraceful that we must all be ignorant of it? For my part

I should say, Even if your life be bad do not live unknown, but be

known, reform, repent; if you have virtue, be not utterly useless in

life; if you are vicious, do not continue unreformed. Point out then and

define to whom you recommend this precept. If to an ignorant or wicked

or senseless person, you resemble one who should say to a person in a

fever or delirium, "Be unknown. Don't let the doctor know your

condition. Go and throw yourself into some dark place, that you and your

ailments may be unknown." So you say to a vicious man, "Go off with your

vice, and hide your deadly and irremediable disease from your friends,

fearful to show your superstitious fears, palpitations as it were, to

those who could admonish you and cure you." Our remote ancestors paid

public attention to the sick, and if any one had either had or cured a

similar complaint, he communicated his experience to the patient, and so

they say medical art became great by these contributions from

experience. We ought also in the same way to expose to everyone diseased

lives and the passions of the soul, and to handle them, and to examine

the condition of each,[898] and say, Are you a passionate man? Be on

your guard against anger. Are you of a jealous turn? Look to it. Are you

in love? I myself was in love once, but I had to repent. But nowadays

people deny and conceal and cloak their vices, and so fix them deeper in

themselves.

Sec. III. Moreover if you advise men of worth to live unknown and in

obscurity, you say to Epaminondas, Do not be a general; and to Lycurgus,

Do not be a legislator; and to Thrasybulus, Do not be a tyrannicide; and

to Pythagoras, Do not teach; and to Socrates, Do not discourse; and

first and foremost you bid yourself, Epicurus, to refrain from writing

letters to your friends in Asia, and from enrolling Egyptian strangers

among your disciples, and from dancing attendance on the youths of

Lampsacus, and sending books to all quarters to display your wisdom to

all men and all women, and leaving directions in your will about your

funeral. What is the meaning of those common tables of yours? what that

crowd of friends and handsome youths? Why those many thousand lines

written and composed so laboriously on Metrodorus, and Aristobulus, and

Chaeredemus, that they may not be unknown even in death, if[899] you

ordain for virtue oblivion, for art inactivity, for philosophy silence,

and for success that it should be speedily forgotten?

Sec. IV. But if you exclude all knowledge about life, like putting the

lights out at a supper party, that you may go from pleasure to pleasure

undetected,[900] then "live unknown." Certainly if I am going to pass my

life with the harlot Hedeia, or my days with Leontium, and spurn at

virtue, and put my _summum bonum_ in sensual gratifications, these are

ends that require darkness and night, on these oblivion and ignorance

are rightly cast. But if any one in nature sings the praises of the

deity and justice and providence, and in morals upholds the law and

society and the constitution, and in the constitution what is honourable

and not expedient, why should he "live unknown"? Is it that he should

instruct nobody, inspire in nobody an emulation for virtue, and be to

nobody a pattern in good?[901] Had Themistocles been unknown at Athens,

Greece would not have repelled Xerxes; had Camillus been unknown at

Rome, Rome would not have remained a state; had Plato been unknown to

Dion, Sicily would not have won its freedom. And as light, I take it,

makes us not only visible but useful to one another, so knowledge gives

not only glory but impetus to virtue. Epaminondas in obscurity up to his

fortieth year was no use to the Thebans, but when his merits became

known and he was put into power, he saved his state from ruin, and

liberated Greece from slavery, making his abilities efficacious in

emergency through his reputation like the bright shining of a light. For

Sophocles' words,

"Brightly shines brass in use, but when unused

It groweth dull in time, and mars the house,"[902]

are also appropriate to the character of a man, which gets rusty and

senile by not mixing in affairs but living in obscurity. For mute

inglorious ease, and a sedentary life devoted to leisure, not only

injure the body but also the soul: and as hidden waters overshadowed and

stagnant get foul because they have no outlet, so the innate powers of

unruffled lives, that neither imbibe nor pass on anything, even if they

had any useful element in them once, seem to be effete and wasted.

Sec. V. Have you never noticed how when night comes on a tired languor

seizes the body, and inactive torpor overpowers the soul, and reason

shrinks within itself like a fire going out, and feeling quite worn out

is gently agitated by disordered fancies, only just indicating that the

man is alive? But when the sun rises and scares away deceitful dreams,

and brings on as it were the everyday world[903] and with its light

rouses and stimulates the thoughts and actions of everybody, then, as

Democritus says, "men form new ideas for the day," and betake themselves

to their various pursuits with mutual impetuosity, as if drawn by a

strong impulse.

Sec. VI. And I think that life itself, and the way we come into the world,

is so ordained by the deity that we should know one another. For

everyone comes into this great universe obscure and unknown casually and

by degrees, but when he mixes with his fellows and grows to maturity he

shines forth, and becomes well-known instead of obscure, and conspicuous

instead of unknown. For knowledge is not the road to being, as some say,

but being to knowledge, for being does not create but only exhibits

things, as death is not the reducing of existence to non-existence, but

rather the result of dissolution is obscurity. So people considering the

Sun as Apollo according to hereditary and ancient institutions, call him

Delius[904] and Pythius; whereas the lord of the world of darkness,

whether god or demon, they call Hades[905] (for when we die we go into

an unseen and invisible place), and the lord of dark night and idle

sleep. And I think our ancestors called man himself by a word meaning

light,[906] because by their relationship to light all have implanted in

them a strong and vehement desire to know and to be known. And some

philosophers think that the soul itself is light in its essence,

inferring so on other grounds and because it can least endure ignorance

about facts, and hates[907] everything obscure, and is disturbed at

everything dark, which inspires fear and suspicion in it, whereas light

is so dear and welcome to it that it thinks nothing otherwise delightful

bearable without it, as indeed light makes every pleasure pastime and

enjoyment gay and cheerful, like the application of some sweet and

general flavour. But the man who thrusts himself into obscurity, and

wraps himself up in darkness and buries himself alive, is like one who

is dissatisfied with his birth, and renounces his being.

Sec. VII. And yet _Pindar_ tells us[908] that the abode of the blest is a

glorious existence, where the sun shines bright through the entire night

in meadows red with roses, an extensive plain full of shady trees ever

in bloom never in fruit, watered by gentle purling streams, and there

the blest ones pass their time away in thinking and talking about the

past and present in social converse....[909] But the third road is of

those who have lived unholy and lawless lives, that thrusts their souls

to Erebus and the bottomless pit, where sluggish streams of murky night

belch forth endless darkness, which receive those that are to be

punished and conceal them in forgetfulness and oblivion. For vultures do

not always prey on the liver of wicked persons lying on the ground,[910]

for it is destroyed by fire or has rolled away; nor does the carrying of

heavy burdens press upon and tire out the bodies of those that undergo

punishment,

"For their strength has no longer flesh and bones,"[911]

nor have the dead any vestige of body that can receive the infliction of

punishment that can make impression; but in reality the only punishment

of those who have lived ill is infamy and obscurity and utter

annihilation, which hurries them off to the dark river of oblivion,[912]

and plunges them into the abyss of a fathomless sea, involving them in

uselessness and idleness, ignorance and obscurity.

[895] Probably Epicurus, as we infer from the very

personal Sec. iii.

[896] Euripides, Fragm. 930.

[897] Reading with Wyttenbach, [Greek: Alla touto men

taute].

[898] Reading [Greek: ekastou] for [Greek: ekaston].

Reiske proposed [Greek: ekaston].

[899] Reading [Greek: ei] (for [Greek: hina]) with

Xylander and Wyttenbach.

[900] Reading with Wyttenbach.

[901] Adopting the suggestion of Wyttenbach, "Forte

[Greek: kalou], at Amiot."

[902] Frag. 742.

[903] "Dormiens quisque in peculiarem abest mumdum,

expergefactus in communem redit."--_Xylander._ Compare

Herrick's Poem, "_Dreames._"

[904] Bright.

[905] Invisible.

[906] [Greek: phos].

[907] Reading with Wyttenbach [Greek: echthairei].

[908] Reading [Greek: phesin] for [Greek: physin].

[909] Hiatus hic valde deflendus.

[910] As was fabled about Tityus, "Odyssey," xi.

576-579.

[911] "Odyssey," xi. 219.

[912] So Reiske, [Greek: potamin tes lethes].

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