Thirdly, some are ruined, and are yet merely passive, being either defrauded and cheated by knaves, or plundered and rifled by thieves, or by immediate casualties, as fire, enemies, storms, floods, and the like; these are things which neither touch the man’s honesty nor his discretion. Thus Job was, by God’s permission and the agency of the devil, reduced in a moment from a plentiful estate to be as naked as he came out of his mother’s womb. I would fain ask those who say no man can be an honest man if he does not pay his debts, who paid Job’s debts if he owed any, and where was his dishonesty if he did not pay them? I still readily grant that he cannot be an honest man who does not pay his debts if he can; but if otherwise, then the words ought to be altered, and they should say, he cannot be an honest man who borrows any money, or buys anything upon his credit; and this cannot be true.

But since I have led myself into the argument, I cannot but make a small digression concerning people who fail in trade. I conceive the greatest error of such is their terror about breaking, by which they are tempted while their credit is good, though their bottom be naught, to push farther in, expecting, or at least hoping, by the profits of some happy voyage, or some lucky hit, as they call it, to retrieve their circumstances, and stand their ground.

I must confess I cannot vindicate the honesty of this; for he who, knowing his circumstances to be once naught, and his bottom worn out, ought not in justice to enter into any man’s debt, for then he trades on their risk, not on his own, and yet trades for his own profits, not theirs. This is not fair, because he deceives the creditor, who ventures his estate on that bottom which he supposes to be good, and the other knows it not. Nay, though he really pays this creditor, he is not honest; for, in conscience, his former creditors had a right to all his effects in proportion to their debts; and if he really pays one all, and the rest but a share, ‘tis a wrong to the whole.

I would therefore advise all tradesmen who find their circumstances declining, as soon, at least, as they first discern themselves to be incapable of paying their debts, if not while yet they can pay every one all, make a full stop, and call all people together; if there is enough to pay them all, let them have it; if not let them have their just shares of it. By this means you will certainly have God’s blessing, and the character of an honest man left to begin again with; and creditors are often prevailed with, in consideration of such a generous honesty, to throw back something to put such a man in a posture to live again, or by further voluntary credit and friendship to uphold him. This is much better also with respect to interest, as well as honesty, than to run on to all extremities, till the burden falls too heavy either for debtor or creditor to bear. This would prevent many of the extremities, which, I say, puts the honesty of a man to so extraordinary a trial.

An honest principle would certainly dictate to the man, if it were consulted with, that when he knows he is not able to pay, it is not lawful for him to borrow. Taking credit is a promise of payment: a promise of payment is tacitly understood, and he cannot be honest who promises what he knows he cannot perform, as I shall note more at large on another head. But if the man be paid, yet it was not an honest act; ‘twas deceiving the man, and making him run a greater risk than he knew of, and such a risk as he would not have run had he known your circumstances and bottom as you do; so that here is deceit upon deceit.

This I know is a disputed point, and a thing which a great many practise who pass for very honest men in the world, but I like it not the better for that; I am very positive, that he who takes my goods on the foot of his credit, when, if he should die the next day, he knows his estate will not pay me five shillings in the pound, though he should not die, but does pay me at the time appointed, is as much guilty of a fraud as if he actually robbed my house. Credit is a received opinion of a man’s honesty and ability, his willingness to pay, and his having wherewith to pay; and he who wants either of these, his credit is lame. Men won’t sell their goods to a litigious, quarrelsome man, though he be never so rich, nor to a needy man, though he be never so honest. Now if all the world believe that I am honest and able, and I know that I am not the last, I cannot be the first if I take their goods upon credit; ‘tis vain to pretend men trade upon the general risk of men’s appearance, and the credit of common fame, and all men have an equal hazard. I say no; men may venture their estates in the hands of a flourishing bankrupt, and he by virtue of his yet unshaken credit is trusted; but he cannot be honest that takes this credit, because he knows his circumstances are quite otherwise than they are supposed to be, that the man is deceived, and he is privy to the deceit.

This digression is not so remote from the purpose as I expected when I began it: the honesty that I am speaking of chiefly respects matters of commerce, of which credit and payment of debt are the most considerable branches.

There is another article in trade, which many very honest men have made familiar to themselves, which yet, I think, is in no case to be defended, and that is relating to counterfeit money. Custom, before the old money was suppressed in England, had prevailed so far upon honesty, that I have seen some men put all their brass money among their running cash, to be told over in every sum they paid, in order to have somebody or other take it; I have heard many people own they made no scruple of it, but I could never find them give one good reason to justify the honesty of it.

First, they say it comes for money, and it ought to go so: to which I answer, that is just as good a reason as this: A has cheated me, and therefore I may cheat B. If I have received a sum of money for good, and knowing not that any of it is otherwise offer it in payment to another, this is just and honest; but if, on this other man’s telling it over, he returns me a piece of brass or counterfeit money which I change again, and afterwards, knowing this to be such, offer the same piece to another, I know no worse fraud in its degree in the world, and I doubt not to prove it so beyond contradiction.

If the first person did not take this piece of money, it was because, being both watchful and skilful, he could discover it; and if I offer it to another, ‘tis with an expectation that he, being either less watchful or less skilful, shall overlook it, and so I shall make an advantage of my neighbour’s ignorance, or want of care.

I’ll put some parallel cases to this, to illustrate it. Suppose a blind man comes into a shop to buy goods of me, and giving me a guinea to change, I shall give him the remainder in bad money, would not everybody say ‘twas a barbarous thing? Why, the other is all one, for if the person be ignorant of money, he is blind as to the point in hand; and nothing can be more unfair than to take the advantage.

Suppose, again, a young boy or a servant newly entered in trade is sent to buy goods, and by his master’s order he asks for such a commodity; and you, presuming upon the rawness of the messenger, deliver a sort of a meaner quality, and take the full price of him; would you grudge to be used scurvily for such a trick? Why, no less or better is offering brass for silver, presuming only the want of care or skill in the receiver shall pass it unobserved.

“Ay, but,” says a learned tradesman, who would be thought honester than ordinary, “ I always change it again, if it be brought back.” Yes, sir, so does a pickpocket give you your handkerchief again when you have fastened on him, and threatened him with the mob. The matter, in short, is this: if the man whom you have cheated can cheat nobody else, then no thanks to you; when he comes to you, and charges the fraud upon you, you ‘11 make satisfaction, because, if you won’t, the law will compel you to it.

But if the fraud may be earned on, as you are manifestly willing, consenting, and instrumental in it that it should, behold the consequence: your first sin against honesty is multiplied in all the hands through whom this piece of bad money knowingly so passes, till at last it happens to go single to a poor man that can’t put it off, and the wrong and injury may issue where it was wanted to buy bread for a starving family.

All the excuses I could ever meet with could never satisfy me that it can consist with honesty to put brass or copper away for gold or silver, any more than it would to give a blind messenger sand instead of sugar, or brown bread instead of white.

Of Honesty in Promises

“A man is known by his word, and an ox by his horns,” says an old English proverb. If I understand the true meaning of it, ‘tis that the honesty of a man is known by his punctually observing his word, as naturally and plainly as any creature is known by the most obvious distinction. ‘Tis the peculiar quality of an honest man, the distinguishing mark to know him by. His word or promise is as sacred to him in all his affairs in the world as the strongest obligation which can be laid on him; nor is it a thing formed by him from settled resolutions, or measures of policy taken up of course to raise or fix his reputation, but it is the native produce of his honest principle; ‘tis the consequence, and his honesty is the cause; he ceases to be honest when he ceases to preserve this solemn regard to his word.

If he gives his word, any man may depend upon it for the safety of his life or estate; he scorns to prevaricate or shift himself off from the punctual observance of it, though it be to his loss.

I can’t abate an honest man an inch in the punctual observance of a promise made upon parole if it be in the man’s possible power to perform it, because there seems to be something too base to consist with honesty in the very nature of a man that can go back from his word.

The reverence our ancestors paid to their promises, or word passed, I am of the opinion, gave that remarkable brand of infamy and scandal upon the affront of giving the lie. A gentleman, which is, in short, the modern term for an honest man, or a man of honour, cannot receive a greater reproach than to be told he lies; that is, that he forfeits his word, breaks his veracity; for the minute he does that he ungentlemans himself, disgraces the blood of his family, degenerates from his ancestors, and commences rake, scoundrel, and anything.

Some people, who have run their points of honour to the extremes, are of the opinion that this affront of the lie ought not to be given to anything they call a gentleman, or that calls himself so, till he has so far exposed himself to all other degrees of infamy as to bear kicking or caning, and the like; that after this, when he breaks his word, he may be told he lies, or anything else; but till then the very thing itself is so intolerable an abuse, that the person who ventures to trespass so foully on the rules of good manners deserves not the honour of fair play for his life; but as some beasts of prey are refused the fair law of the field, and are knocked down in every hedge, so these, like bullies and mere rakes, may be pistolled in the dark and stabbed at the corner of an alley; that is to say, any measure may be used with them to dismiss them from the society of mankind, as fellows not sufferable in the commonwealth of good manners.

I do not argue for these extremes; but I instance in this to testify the veneration all good men have for the word or promise of an honest man, and the esteem which the integrity of the mind, expressed by a zealous regard to the words of the mouth, has obtained in the world. The French, when they express themselves in vindication of their honour, always bring it about by this, Je suis homme de parole, I am an honest man, or a man of my word; that is, I am a man that may be trusted upon my parole, for I never break my word.

Such was the value put upon the promises of men in former time, that a promise of payment of money was recoverable in our courts by law, till the inconveniences proved so many that an Act was made on purpose to restrain it to a sum under ten pounds. But to this day if a man promises marriage to a woman, especially if she has granted him any favours upon that condition, the laws of the land, which therein have regard to the laws of honour, will oblige him to make it good, and allow it to be a sufficient plea to forbid his marrying with anybody else.

There are innumerable instances of the veneration all nations pay to the expressive article of human veracity. In the war you meet with frequent instances of prisoners dismissed by a generous enemy upon their parole, either to pay their ransom, or to procure such or such conditions, or come back and surrender themselves prisoners; and he that should forfeit this parole would be posted in the enemy’s army, and hissed out of his own.

I know nothing a wise man would not choose to do rather than, by breaking his word, give the world such an undeniable testimony of his being a knave. This is that good name which Solomon says is better than life, and is a precious ointment, and which when a man has once lost he has nothing left worth keeping. A man may even hang himself out of the way, for no man that looks like a man will keep his company.

When a man has once come to breaking his word, no man that has any value for his reputation cares to be seen in his company; but all good men shun him, as if he were infected with the plague.

There are men, indeed, who will be exceeding punctual to their words and promises, who yet cannot be called honest men, because they have other vices and excursions that render them otherways wicked. These give their testimony to the beauty of honesty by choosing it as the best mask to put a gloss upon their actions, and conceal the other deformities of their lives; and so honesty, like religion, is made use of to disguise the hypocrite, and raise a reputation upon the shadow, by the advantage it takes of the real esteem the world has of the substance. I say of this counterfeit honesty, as is said of religion in like cases. If honesty was not the most excellent attainment, ‘t would not be made use of as the most specious pretence; nor is there a more exquisite way for a man to play the hypocrite, than to pretend an extraordinary zeal to the performance of his promises; because, when the opinion of any man’s honesty that way has spread in the thoughts of men, there is nothing so great but they will trust him with, nor so hard but they will do it for him.

All men reverence an honest man: the knaves stand in awe of him, fools adore him, and wise men love him; and thus is virtue its own reward.

Honest men are in more danger from this one hypocrite than from twenty open knaves; for these have a mark placed upon them by their general character, as a buoy upon a rock to warn strangers from venturing upon it. But the hypocrites are like a pit covered over, like shoals under water, and danger concealed which cannot be seen. I must confess I have found these the most dangerous, and have too deeply suffered by throwing myself on their protestations of honesty. The esteem I always entertained of the most beautiful gift God has bestowed, or man could receive, has made me the easier to be deceived with the resemblance of it.

So much as I, or any one else, by the viciousness of our own nature, or the prevailing force of accidents, snares, and temptations, have deviated from this shining principle, so far as we have been foolish as well as wicked, so much we have to repent of towards our Maker, and be ashamed of towards our neighbour.

For my part, I am never backward to own, let who will be the reader of these sheets, that to the dishonour of my Maker, and the just scandal of my own honesty, I have not paid that due regard to the rectitude of this principle which my own knowledge has owned to be its due; let those who have been juster to themselves, and to the Giver of it, rejoice in the happiness, rather than triumph over the infirmity. But let them be sure they have been juster on their own parts; let them be positive that their own integrity is untainted, and would abide all the trials and racks that a ruined fortune, strong temptations, and deep distresses, could bring it into; let them not boast till these dangers are past, and they put their armour off; and if they can do it, then I will freely acknowledge they have less need of repentance than I.

Not that I pretend, as I noted before, and shall often repeat, that these circumstances render my failing, or any man’s else, the less a sin, but they make the reason why we that have fallen should rather be pitied than reproached by those who think they stand, because, when the same assaults are made upon the chastity of their honour, it may be every jot as likely to be prostituted as their neighbour’s.

And such is the folly of scandal, as well as the blindness of malice, that it seldom fixes reproach upon the right foot. I have seen so much of it, with respect to other people, as well as to myself, that it gives me a very scoundrel opinion of all those people whom I find forward to load their neighbours with reproach. Nothing is more frequent in this case than to run away with a piece of a man’s character, in which they err, and do him wrong, and leave that part of him untouched which is really black, and would bear it; this makes me sometimes, when with the humblest and most abasing thoughts of myself I look up, and betwixt God and my own soul, cry out, “What a wretch am I!” at the same time smile at the hare-brained enemy, whose tongue, tipped with malice, runs ahead of his understanding, and missing the crimes for which I deserve more than he can inflict, reproaches me with those I never committed. Methinks I am ready to call him back, like the huntsman, when the dogs run upon the foil, and say, “Hold, hold, you are wrong; take him here, and you have him.”