Finance, in the sense in which it is going to be used in this article, means the machinery of money dealing. That is, the machinery by which the funds that you and I save is combined and given out to individuals who want to use it.

Money thus saved and lent is capital. So finance is the machinery that manages capital, accumulates it from people who save it, lends it to those that wish to put it to use and consent to pay a price for the loan of it. This price is called the rate of interest, or earnings.

The client presents this price simply because he desires to be able, soon after paying it, to benefit himself out of what he is going to make or expand or get with its assistance. If it's a Government, it desires to improve the country's wealth by its use.

Often borrowers want money because they've been spending a lot more than they've been getting, and attempt to tide over a difficulty by paying one set of lenders with the help of another, rather than of cutting down their spending.

This path, if followed far enough, leads to personal bankruptcy for the borrower and then loss to the lender.

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If no price had been offered for capital, none of us would save it, or if we saved it we should not risk our funds by lending it, but hide it in a hole, or lock it up in a storage space, and so there could be no new industry.

When it is misused, let us abuse it as heartily as we like, and take any possible measures to punish it. But allow us to recognize that capital, when properly and fairly employed, is far from being a sinister and suspicious weapon in the hands of those that have somehow managed to seize it.

It really is in fact so necessary to all kinds of industry, that those who have amassed it, and placed it at the disposal of industry, render a service to society without which modern society could not be kept alive.

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