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Money And Its Positive Aspects: Can Our Society Really Exist Without It?
Finance, in the way in which it will be applied in this brief article, means the machinery of money dealing. That is, the machinery by which the funds which you and I save is put together and lent out to people who would like to borrow it.
Money therefore saved and loaned is capital. So finance is the machinery that manages capital, collects it from those who save it, lends it to those who want to make use of it and agree to pay a price for the loan of it. This cost is referred to as the rate of interest, or earnings.
The borrower offers this price because he expects to be able, after paying it, to benefit himself out of what he's planning to make or expand or get with its help. If it is a Government, it hopes to improve the country's success by its use.
Occasionally applicants want cash because they've been spending more than they have been getting, and try to tide over a difficulty by paying one set of loan companies with the help of another, instead of lowering their spending.
This avenue, if followed far enough, leads to personal bankruptcy for the borrower and loss to the lender.
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If no price had been offered for capital, none of us save it, or if we saved we should not risk our money by lending it, but hide it in a hole, or lock it down in a storage room, and so there could be no new industry.
When it's misused, let's abuse it as heartily as we like, and take any possible measures to punish it. But allow us to recognize that capital, when well and fairly used, is far from being a sinister and suspicious weapon in the hands of people who have somehow managed to seize it.
It is in fact so necessary to all kinds of industry, that people who have amassed it, and placed it at the fingertips of industry, render a service to society without which modern society could not be kept alive.
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