Does our principle hold when we suppose a man to have the necessary

sensibilities for the actual enjoyment of wealth? If he acquires the

tastes which imply greater intellectual cultivation, a power, therefore,

of taking into account sources of pleasure more complex and more distant

in time and space, does it then become true that his power of using

wealth will be indefinite? I should reply, in the first place, that we

must still admit the same psychological truth. Any desire whatever,

that is, is capable of yielding only a strictly finite amount of

enjoyment; the pleasure which we can derive from it must be limited both

by the necessity of gratifying other desires and by the fact that no

desire whatever is capable of an indefinite increase by increased

stimulation. After a certain point of excitement is reached, we cannot

get more pleasure by any accumulation of internal conditions. We assume

for the present that our aim is simply to extract the greatest possible

amount of gratification out of life. We must then take for our data our

actual constitution, capacities, sensibilities, and so forth, and

calculate how much wealth could be actually applied in order to keep us

moving always along the line of maximum enjoyment. This would be to

study the art of life on purely hedonistic principles. We should ask,

what career will on the whole be fullest of enjoyment? and then, what

material conditions can enable us to follow that career? I imagine that

the amount requisite would vary indefinitely according to our

characters. Suppose, for example, that a man has strong intellectual

tastes, a love of art or science or literature. He will require, of

course, enough wealth to enable him to devote himself without anxiety to

his favourite pursuits, and enough, moreover, to train himself in all

requisite knowledge. But granting this, the material conditions of

happiness will be sufficiently fulfilled. I think it was Agassiz who

observed when he was devoting himself to science that he had not time to

get rich. Wealth to him would have been rather an impediment than an

advantage. A man like Faraday, who placed his whole happiness in the

extension of scientific knowledge, and who was not less honoured because

he lived upon a modest income, would not have had a greater amount of

that kind of happiness had he possessed the wealth of a Rothschild. A

man whose pleasure is in reading books, or contemplating works of art,

or listening to music, can obtain the highest enjoyment at a very

moderate price, and could get very little more if he had the most

unbounded wealth at his disposal. If we inquired what men possessing

such tastes had derived from them the greatest happiness, we should, I

fancy, find ourselves mentioning men comparatively poor, whose

enjoyments were even comparatively keen, because they had to devote a

certain amount of care and contrivance to obtaining full play for their

capacities. Charles Lamb, plotting and contriving to get an old volume

from a bookstall, possibly got more pleasure from his taste than if he

had been the possessor of a gigantic library. The sociable man, again,

the man whose pleasure in society is the genuine delight in a real

interchange of thought and sympathy, who does not desire magnificent

entertainment, but the stimulus of intimate association with congenial

friends, would probably find the highest pleasure in comparatively

simple social strata, where the display of wealth was no object, and men

met, as Johnson met his friends at the club, to put mind fairly to mind,

and to stimulate intellectual activity, instead of consuming the maximum

of luxury. Milton's sonnet to Lawrence gives perhaps a rather severe but

a very fascinating ideal of refined luxury:--

What neat repast shall feast us, light and choice,

Of Attic taste with wine, whence we may rise

To hear the lute well touched, or artful voice

Warble immortal notes and Tuscan air?

He who of these delights can judge, and spare

To interpose them oft, is not unwise.

Nor need we be accused of inordinate boasting if we should say that we

would rather have made a third at such a feast than have joined a dozen

rowdy courtiers at the table of Charles II.

There are, however, pleasures which undoubtedly suppose an indefinite

capacity for using wealth. There is, for example, such a thing as the

pure love of splendour, which is represented so curiously in some of

Disraeli's novels. One of his heroes, if I remember rightly, proposed to

follow the precedent actually set by Beckford, who built at Fonthill a

tower 300 feet high--not because it was wanted for any other purpose,

but simply for the sake of building a tower. Of course, if one has a

taste for towers 300 feet high, there is no particular limit to the

quantity of wealth which may be found convenient. One of the gentlest

and most delicate satirists of modern society, Mr. Du Maurier, has given

us admirable illustrations of a more vulgar form of the same tendency in

his portraits of Sir Gorgius Midas. When that worthy denounces his

servants because there are only three footmen sitting up till two

o'clock to save him the trouble of using a latch-key, we may admit that

his pleasures, such as they were, were capable of finding gratification

in any quantity of expenditure. It might be a question, indeed, if we

had time to ask it, whether the pleasure derived from such expenses by

the millionaire be really so great as the pleasure which he had when he

first turned the proverbial half-crown, with which he must have come to

London, into his first five shillings; and it is certainly also a

question whether his expenditure was ethically right. But at present we

are only considering facts, and we may admit that there would be no

filling such a gulf of desire by any dribble of bullion; and, further,

that there are pleasures--not, on the face of them, immoral--in

procuring which any quantity of money may be spent. If a man is simply

desirous of obtaining influence, or, in some cases, political power; or

if he decides to muddle away his money upon charity, there are no limits

to the sums he may spend, especially if he has no objection to

corrupting his neighbours.

Before saying anything upon this, however, I must pause to deduce a

conclusion. Keeping still to the purely hedonistic point of view, I ask,

At what point does expenditure become luxurious in a culpable sense?

meaning by "culpable" not morally culpable, but simply injudicious from

the point of view of enlightened self-interest. To this I think that one

answer is already suggested, that is to say, that since, on the one

hand, a certain finite quantity of wealth will enable us to keep to the

happiest or most philosophic career; and since, on the other hand, a man

may possess a quantity of superfluous wealth which he can only use on

penalty of deviating from that career, he becomes foolish, if not

immoral--upon which I say nothing--when he tries to use more. That

people frequently commit this folly is undeniable. Wealth ought to be (I

mean would be by a judiciously selfish person) regarded as a means of

enjoyment. Therefore the superfluous wealth should be left in the

potential stage--as a balance at his banker's or accumulating in the

funds. But though the possession does not imply a necessity of using,

it does generally imply a sort of tacit feeling of

responsibility--responsibility, that is, to a man's self. I have got so

much money; surely it is a duty to myself to use it for my pleasure. So

far as a man yields to such an argument, he becomes the slave instead of

the master of his wealth. What ought to be machinery for furthering an

end, becomes an end in itself: and, at that point of conduct, I think

that we are disposed to call a man's life luxurious in a distinctly bad

sense. The error, as I have suggested, is perhaps at bottom much the

same as that which leads a poor man to spend an increase of wages at a

gin-shop. But we do not call the gin-drinker luxurious, but simply

vicious. For luxury seems to apply less to conduct which we can

distinctly call bad in itself, than to conduct which only becomes bad or

foolish as implying a disproportion between the end attained and the

expense of attaining it. It applies when a man has, as we say, so much

money that he does not know what to do with it. We speak of luxuries in

the case of Sir Gorgius, where the prominent fact is that the man has

been gorged with excessive wealth, and is yet too dull to use it in any

manner which would increase the happiness of a reasonable or refined

being. So it is generally regarded as characteristic rather of the

upstart or newly-made millionaire than of the man born to higher

position, whose life is perhaps as selfish and hardly superior morally.

But the nobleman by birth has inherited a certain art of life; he has

acquired traditional modes of arranging his pleasures, which give him

the appearance, at least, of possessing more judicious and refined

tastes; and we are less shocked than by the man who has obviously wealth

which he knows not how to use, and which he, therefore, deliberately

devotes to coarse and vulgar ostentation. The upstart may not be more

selfish at bottom; but he dashes in your face the evidence of his

selfishness, and appeals for admiration on the simple ground that he has

a larger income than his neighbours. Luxury means, on this showing, all

such expenditure as is objectionable, not because the pleasure obtained

is intrinsically bad, but because we are spending for the sake of

spending, and could get more real enjoyment at a lower sum. I need not

dwell upon the fact that men of moderate means may fall into the same

error. The fault of exaggerating the importance of machinery is not

confined to those whom we call rich. Thackeray's discourses upon Snobs

are full expositions of the same weakness in the middle classes. When we

read, for example, of Colonel Ponto being miserable because he tries to

make an income of a thousand a year support the pomp accessible to

persons with ten thousand, we see that he has as false a view as Sir

Gorgius of the true ends of life. And I refer to the same great satirist

for abundant illustrations of the weaknesses which too often make

society a machinery for wasting money on display, and entirely oblivious

that it should be a machinery for the promotion of intellectual and

refined pleasures.

Now, if I have given a fair account of luxury as considered simply from

the point of view of an enlightened selfishness, I may proceed to the

ethical question. So far, I have only asked, in substance, at what point

our expenditure upon pickles becomes foolish. But, of course, the more

important question arises, at what point it becomes selfish. A man may

be silly for spending money upon erecting towers; but if he does no harm

to his neighbours we hardly call him wicked. We cannot say that it is

unconditionally wrong to build a tower. We must inquire, therefore, how

far luxury necessarily involves a wrong to others. Here we must begin by

listening to all the philosophers and divines of whom I spoke at

starting. Any number of wise and good men will tell us, in various

dialects, that pleasure is in itself bad, or, at least, that all the

pleasures obtainable by wealth are bad, or, at any rate, beneath the

notice of the higher spirits. There are the thorough-going ascetics, who

strive, not to regulate, but to suppress all except the absolutely

necessary physical instincts, and think that even those desires savour

of evil; who consider the best man to be the man who lives upon bread

and water, and, if possible, upon mouldy bread and ditch-water. There

are, again, spiritually-minded people, who consider all happiness to be

worthless, except such happiness as results from aspirations to another

world; who regard all riches as chains binding the soul to earth; who

take the words "Blessed are the poor" in the most literal sense, as

defining the true aim of life. We should seek, they say, for happiness

elsewhere than in this transitory stage of existence, remember that the

world is a mere screen hiding the awful realities of heaven and hell;

and despise even such pleasures as are generally called intellectual

pleasures, the pleasures, for example, of art or science, for they, too,

belong really to the sphere of illusion, and are simply more subtle

temptations than those of the flesh. And, besides these, we have the

philosophers, who would have us live in the world of pure intellect, and

tell us that the true moral of life is to make ourselves independent of

external circumstances by suppressing all the corresponding desires.

Renunciation, therefore, is the first lesson to be learned by the wise

man; and the practical rule, as has been said, is that we should

endeavour not to increase our numerator but to lessen our denominator. I

cannot now discuss such doctrines. I am content to say that I regard

them not as simply false, but as distorted views of truth. For my part,

I am content to say that, even as a moralist, I wish to see people as

happy as possible; that being, after all, a poor utilitarian after my

own fashion, I desire--however erroneously--the greatest happiness of

the greatest number; and, in particular, that I should like to see, not

a feebler, but a much keener appreciation of all the pleasures derivable

from art, or science, or literature, or rational society, even, if I may

say so, from good cookery and athletic sports. Briefly, the ideal

society seems to me to be one in which even our lower instincts should

not be suppressed, but regulated; and the typical man of the future to

be one whose whole faculties and their corresponding sensibilities

should be cultivated to the utmost possible degree. What is the

application of this to our special question? I do not know that I can do

better than refer to the writings of Bernard Mandeville, who in his

_Fable of the Bees_--one of the cleverest books in the

language--succeeded by the help of much paradox, and under a cloak of

cynicism, in stating the problem with singular vivacity. Private vices,

that was his way of putting it, are public benefits. His meaning, put

less paradoxically, was this: accept, on the one hand, the ascetic

doctrine that pursuit of pleasure is intrinsically vicious, and you

condemn all the impulses by which the structure of society, especially

the industrial structure, has been built up. Accept, on the other hand,

the doctrine that civilisation is, on the whole, a good thing, and you

admit that the instincts, which, upon this hypothesis, correspond to

private vices, are the only means of producing a public benefit. In

other words, if we took the language of theologians in its natural

sense, and really regarded the world as worthless, we should have no

industry, no trade or commerce, and be still living in swamps and

forests, digging up roots with our nails, living upon acorns and

shell-fish, and scarcely even painting ourselves blue, for to the savage

blue paint was a luxury. Now, apart from any question as to the fairness

of this version of theological doctrine, we may ask, What is the real

underlying difficulty--or that aspect of it which is still worth

considering? We may grant, in the first place, to Mandeville, that, in

point of fact, the construction of a civilised society presupposes the

development of numerous desires, many of which are more or less

condemned by severe moralists. If the savage comes to value blue paint,

he may take to planting something to exchange for it, instead of simply

lying on his back to digest his last handful of acorns; and, in so

doing, he makes the first step towards the development of an industrial

system. The desire for wealth is, of course, implied in all stages of

progress if men are to create wealth; and we can partly answer

Mandeville's paradox by throwing over the ascetic and declaring that a

desire for good meat, and fire, and clothes, even for pictures, and

books, and music, or for such comforts as most of us enjoy, is not in

itself immoral; and that, on the contrary, the more there is of such

enjoyment the better for men's bodies and minds, and therefore, on the

whole, the better for their morality. But the moral difficulty returns

in a new shape. The desire for wealth, let us say, is not in itself bad;

it is simply natural--it is a desire for one essential condition of a

tolerably happy life. But is it not bad, in so far as it is selfish? Do

not the desires which have been the mainspring of all modern development

imply a desire of each man to get rich at the expense of others? Have

they not been the source of all that division between rich and poor

which makes one side luxurious and the other miserable? Has not Dives

become rich and bloated by force of the very same process which has made

Lazarus a mass of sores and misery? Suppress the desire for wealth, and

we should still be savages "running wild in woods". But was not even the

noble savage better than the pauper who now hangs on to the fringes of

society? and is his existence compensated by the existence of other

classes who have more wealth than they can use? And so the old problem

comes back; and we have, as of old, the most contradictory answers to

the problem.

I am, I confess it, one of those old-fashioned people who believe in

progress, and hold that their own century is distinctly better than any

which preceded it; who would on no account go back, if they could, to

the days of the noble savages or even to the brutalities and

superstitions of the ages of faith. But I do not think that I need argue

that question for our present purpose. We have got to this century

somehow, and we can only get out of it by living till the twentieth.

Meanwhile, we should make the best of the interval. I will, therefore,

only permit myself one remark. If we suppose, with Mandeville, that the

instincts which have developed modern society have been, to a great

extent, selfish desires, that is, for the personal comfort of the agent,

irrespectively of consequences to others, it does not follow that the

corresponding development has been mischievous. Good commonplace

moralists have been much in the habit of condemning the selfish passions

of kings and conquerors. What can be an easier mark for denunciation

than such a man, for example, as Louis XI. of France, and the wily and

cruel rulers of past ages, whose only aim was to enlarge their own

powers and wealth? And yet, if we consider the matter historically, we

must admit that such men have rendered enormous services to mankind. A

ruler, let us say, had for his only object the extension and

concentration of his own authority. Still, it was by the conflicts of

rulers that the great nations have been formed out of a chaos of

struggling clans; that peace and order, therefore, have been substituted

for violence, throughout broad territories; that law has taken the place

of private war; moreover, that the privileges of selfish orders have

been suppressed through the development of a larger and more civilised

national organisation; and that, although the immediate victory was won

by the selfish ruler, the ultimate benefit has accrued to the people

upon whom he was forced to rely for support against the oppressive

subordinate powers. The ruler, perhaps, did not look beyond his own

interests; but his own interest forced him to find allies among the mass

of the population, and so gradually led to the formation of central

organs, representing not the personal interest of the king, but the

interest of the whole nation in which they had arisen. We may make a

similar remark upon industrial development. The great merchant and

capitalist and inventor of new methods and machinery has not looked, it

may be, beyond his own interest; but, intentionally or not, he was

helping to construct a vast organisation, which, whether it has, on the

whole, improved the world or not, has, at least, made it enormously

richer. Perhaps Watt, when he was improving the steam-engine, thought

only of the profits to be derived from his invention. But the profit

which he gained after a laborious life was but an infinitesimal fraction

of the enormous increase of efficiency which resulted to the national

industry. We cannot doubt that the whole gigantic system which at least

maintains a population several times multiplied, which maintains part of

it in wealth and a large proportion in reasonable comfort, has been due

to the labours of many men, each working for his own interest and

animated chiefly by the desire of wealth. So much remains true of the

economist's doctrine of the natural harmony between individual and

public interest. In this case, as in the case of governments, we may,

perhaps, say that men acted from motives which must be called selfish,

in this sense at least, that they thought of little but their own

interests; but that, at the same time, their own interests compelled

them to work in a direction which promoted, more or less, the interests

of others. I add, briefly, that these are only instances of what we may

call the general rule: namely, that morality begins from an external or

unrecognised conformity of interests, and ends by recognising and

adopting, as motives, the consequences which, in the earlier stage,

seemed to be internal or accidental consequences. I begin by helping a

man because circumstances make it useful to myself, and I end--and only

become truly moral when I end--by doing what is useful to him, because

it is useful to him. When, indeed, I have reached that point, my end

itself is profoundly modified; it becomes much wider, and yet only

regulates and directs to new channels a great deal of the corresponding

conduct.

The consideration of this modification--of the change which should take

place when a man not only pursues such conduct as is beneficial on the

whole to a country, but pursues it with a view to the beneficial

consequences--brings us back to the question of luxury. The bare pursuit

of wealth as the end of existence implies, of course, indifference to

the means by which it is produced; an equal readiness, for example, to

grow rich by cheating my neighbour, or by actually producing a greater

quantity of useful produce. It is consistent with a simple desire to

enlarge my business without reference to the effect upon the persons I

employ, as when manufacturers enriched themselves by cruel exploitation

of the labour of infants. But if we hope for a state of things in which

an employer should consider himself as essentially part of the national

organism, as increasing his own wealth only by such means as would be

also advantageous to the comfort of the nation generally, the pursuit of

wealth would become moralised.

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