Another factor is the credit system, through which business is carried on many times larger in amounts than there is money to pay for, and from which privateers collect taxes through so many different channels that everybody’s co-operative wealth is mostly absorbed by a few big schemers while the majority of people are left in want for common necessities.
 So with a shortage of money and the establishment of the credit system we find persons who own the money and charge a price for the use of it.
 Before the manufacturer can make useful things for everybody, he must go to privateers, borrow money and pay a price for it. The manufacturer adds the price to the cost of his product, plus his own profit, and sells it to the merchant. But before the merchant can buy it, he too must go to privateers, borrow money and pay a price for it. The merchant also adds this price, plus his own profit, to the cost of the product. And finally, when everybody wants to buy it, they too must go to privateers, borrow money for the purpose and pay a price for it.
 The money owners actually extract several tolls on the same product; one for the use of the money for its manufacture; one for the use of maney for its sale, and one for the use of money for its purchase. In the end it is found that everybody pays all of the tolls when buying the product.
 When an automobile is assembled from parts made by different manufacturers, all of whom borrow money and pay a price for it, many different tolls have to be paid to the money owners as interest on the car before it is completed. So when the purchaser gets the car all of these tolls must be paid for as interest on money borrowed by the different parts manufacturers as well as the manufacturer’s and merchant’s profits.
 As if enough damage had not already been done to everybody through taxing every dollar they used many times over, there are times when the financiers will not lend manufacturers money to run their plants, notwithstanding they are willing to pay the price. They become very arbitrary in their dominating position and tell the manufacturers how they must run their business. At times they force the manufacturers to cut wages of their workmen before they will lend them money, and in many instances they force them to throw their workmen out of employment. Thus again everybody has to pay the penalty, because money, the medium of trade, is controlled by privateers and interest charges are made to bleed them.
 And then, as the straw that should break the camel’s back, the government, who puts everybody’s stamp of approval on the money to make it acceptable for labor and products, is also forced to pay a price to the privateers for the use of it when making public improvements, and once again everybody must pay the final costs through a government tax collected from everybody for that purpose.
 It is no wonder that everybody staggers under suck loads. If the people were not trained to take plenty of punishment and