Finance, in the way in which it is going to be used in this short article, means the machinery of money dealing. That is, the machinery by which money which you and I save is assembled and loaned out to men and women who would like to use it.
Money thus saved and loaned is capital. So finance is the machinery that handles capital, collects it from those that save it, lends it to people who desire to put it to use and consent to pay a price for the loan of it. This price is known as the rate of interest, or profit.
The borrower offers this cost mainly because he expects to be able, soon after paying it, to benefit himself out of what he is planning to make or grow or get with its help. If it is a Government, it wants to enhance the country's success by its use.
Often borrowers want cash because they have been spending more than they have been getting, and make an effort to tide over a problem by paying one set of loan companies with the help of another, rather than of cutting down their spending.
This route, if followed far enough, leads to bankruptcy for the borrower and loss to the lender.
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If no price were offered for capital, none of us save it, or if we saved we didn't risk our dollars by lending it, but hide it in a hole, or lock it down in a storage space, and so there could be no new industry.
When it is misused, let's abuse it as heartily as we like, and take any possible measures to punish it. But let us recognize that capital, when well and fairly utilized, is far from becoming a sinister and suspicious weapon within 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 fingertips of industry, render a service to society without which society could not be kept alive.
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