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"Nothing in all the world is more dangerous than sincere ignorance and conscientious stupidity."
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Chapter 39 - Page 2
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"But, Frank, a contingency not unprovided for in the taking beforehand of due securities."
"Still, Charlie, was not the loan in the first place a friend's act?"
"And the auction in the last place an enemy's act. Don't you see? The enmity lies couched in the friendship, just as the ruin in the relief."
"I must be very stupid to-day, Charlie, but really, I can't understand this. Excuse me, my dear friend, but it strikes me that in going into the philosophy of the subject, you go somewhat out of your depth."
"So said the incautious wader out to the ocean; but the ocean replied: 'It is just the other way, my wet friend,' and drowned him."
"That, Charlie, is a fable about as unjust to the ocean, as some of Æsop's are to the animals. The ocean is a magnanimous element, and would scorn to assassinate a poor fellow, let alone taunting him in the act. But I don't understand what you say about enmity couched in friendship, and ruin in relief."
"I will illustrate, Frank, The needy man is a train slipped off the rail. He who loans him money on interest is the one who, by way of accommodation, helps get the train back where it belongs; but then, by way of making all square, and a little more, telegraphs to an agent, thirty miles a-head by a precipice, to throw just there, on his account, a beam across the track. Your needy man's principle-and-interest friend is, I say again, a friend with an enmity in reserve. No, no, my dear friend, no interest for me. I scorn interest."
"Well, Charlie, none need you charge. Loan me without interest."
"That would be alms again."
"Alms, if the sum borrowed is returned?"
"Yes: an alms, not of the principle, but the interest."
"Well, I am in sore need, so I will not decline the alms. Seeing that it is you, Charlie, gratefully will I accept the alms of the interest. No humiliation between friends."
"Now, how in the refined view of friendship can you suffer yourself to talk so, my dear Frank. It pains me. For though I am not of the sour mind of Solomon, that, in the hour of need, a stranger is better than a brother; yet, I entirely agree with my sublime master, who, in his Essay on Friendship, says so nobly, that if he want a terrestrial convenience, not to his friend celestial (or friend social and intellectual) would he go; no: for his terrestrial convenience, to his friend terrestrial (or humbler business-friend) he goes. Very lucidly he adds the reason: Because, for the superior nature, which on no account can ever descend to do good, to be annoyed with requests to do it, when the inferior one, which by no instruction can ever rise above that capacity, stands
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