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their　money　unused；　and　that　they　must　be　willing　to　spend　in

order　to　gain。　Those　who　enrich　themselves　by　commerce；　do　so　by

giving　money　for　goods　as　well　as　goods　for　money；　and　the　first

is　as　necessary　a　part　of　the　process　as　the　last。　But　a　person

who　buys　goods　for　purposes　of　gain；　does　so　to　sell　them　again

for　money；　and　in　the　expectation　of　receiving　more　money　than　he

laid　out：　to　get　money；　therefore；　seems　even　to　the　person

himself　the　ultimate　end　of　the　whole。　It　often　happens　that　he

is　not　paid　in　money；　but　in　something　else；　having　bought　goods

to　a　value　equivalent；　which　are　set　off　against　those　he　sold。

But　he　accepted　these　at　a　money　valuation；　and　in　the　belief

that　they　would　bring　in　more　money　eventually　than　the　price　at

which　they　were　made　over　to　him。　A　dealer　doing　a　large　amount

of　business；　and　turning　over　his　capital　rapidly；　has　but　a

small　portion　of　it　in　ready　money　at　any　one　time。　But　he　only

feels　it　valuable　to　him　as　it　is　convertible　into　money：　he

considers　no　transaction　closed　until　the　net　result　is　either

paid　or　credited　in　money。。　when　he　retires　from　business　it　is

into　money　that　he　converts　the　whole；　and　not　until　then　does　he

deem　himself　to　have　realized　his　gains：　just　as　if　money　were

the　only　wealth；　and　money's　worth　were　only　the　means　of

attaining　it。　If　it　be　now　asked　for　what　end　money　is　desirable；

unless　to　supply　the　wants　or　pleasures　of　oneself　or　others；　the

champion　of　the　system　would　not　be　at　all　embarrassed　by　the

question。　True；　he　would　say；　these　are　the　uses　of　wealth；　and

very　laudable　uses　while　confined　to　domestic　commodities；

because　in　that　case；　by　exactly　the　amount　which　you　expend；　you

enrich　others　of　your　countrymen。　Spend　your　wealth；　if　you

please；　in　whatever　indulgences　you　have　a　taste　for。　but　your

wealth　is　not　the　indulgences；　it　is　the　sum　of　money；　or　the

annual　money　income；　with　which　you　purchase　them。

　　　　While　there　were　so　many　things　to　render　the　assumption

which　is　the　basis　of　the　mercantile　system　plausible；　there　is

also　some　small　foundation　in　reason；　though　a　very　insufficient

one；　for　the　distinction　which　that　system　so　emphatically　draws

between　money　and　every　other　kind　of　valuable　possession。　We

really；　and　justly；　look　upon　a　person　as　possessing　the

advantages　of　wealth；　not　in　proportion　to　the　useful　and

agreeable　things　of　which　he　is　in　the　actual　enjoyment；　but　to

his　command　over　the　general　fund　of　things　useful　and　agreeable；

the　power　he　possesses　of　providing　for　any　exigency；　or

obtaining　any　object　of　desire。　Now；　money　is　itself　that　power；

while　all　other　things；　in　a　civilized　state；　seem　to　confer　it

only　by　their　capacity　of　being　exchanged　for　money。　To　possess

any　other　article　of　wealth；　is　to　possess　that　particular　thing；

and　nothing　else：　if　you　wish　for　another　thing　instead　of　it；

you　have　first　to　sell　it；　or　to　submit　to　the　inconvenience　and

delay　（if　not　the　impossibility）　of　finding　some　one　who　has　what

you　want；　and　is　willing　to　barter　it　for　what　you　have。　But　with

money　you　are　at　once　able　to　buy　whatever　things　are　for　sale：

and　one　whose　fortune　is　in　money；　or　in　things　rapidly

convertible　into　it；　seems　both　to　himself　and　others　to　possess

not　any　one　thing；　but　all　the　things　which　the　money　places　it

at　his　option　to　purchase。　The　greatest　part　of　the　utility　of

wealth；　beyond　a　very　moderate　quantity；　is　not　the　indulgences

it　procures；　but　the　reserved　power　which　its　possessor　holds　in

his　hands　of　attaining　purposes　generally；　and　this　power　no

other　kind　of　wealth　confers　so　immediately　or　so　certainly　as

money。　It　is　the　only　form　of　wealth　which　is　not　merely

applicable　to　some　one　use；　but　can　be　turned　at　once　to　any　use。

And　this　distinction　was　the　more　likely　to　make　an　impression

upon　governments；　as　it　is　one　of　considerable　importance　to

them。　A　civilized　government　derives　comparatively　little

advantage　from　taxes　unless　it　can　collect　them　in　money：　and　if

it　has　large　or　sudden　payments　to　make；　especially　payments　in

foreign　countries　for　wars　or　subsidies；　either　for　the　sake　of

conquering　or　of　not　being　conquered　（the　two　chief　objects　of

national　policy　until　a　late　period）；　scarcely　any　medium　of

payment　except　money　will　serve　the　purpose。　All　these　causes

conspire　to　make　both　individuals　and　governments；　in　estimating

their　means；　attach　almost　exclusive　importance　to　money；　either

in　esse　or　in　posse；　and　look　upon　all　other　things　（when　viewed

as　part　of　their　resources）　scarcely　otherwise　than　as　the　remote

means　of　obtaining　that　which　alone；　when　obtained；　affords　the

indefinite；　and　at　the　same　time　instantaneous；　command　over

objects　of　desire；　which　best　answers　to　the　idea　of　wealth。

　　　　An　absurdity；　however；　does　not　cease　to　be　an　absurdity　when

we　have　discovered　what　were　the　appearances　which　made　it

plausible；　and　the　Mercantile　Theory　could　not　fail　to　be　seen　in

its　true　character　when　men　began；　even　in　an　imperfect　manner；

to　explore　into　the　foundations　of　things；　and　seek　their

premises　from　elementary　facts；　and　not　from　the　forms　and

phrases　of　common　discourse。　So　soon　as　they　asked　themselves

what　is　really　meant　by　money…what　it　is　in　its　essential

characters；　and　the　precise　nature　of　the　functions　it

performs…they　reflected　that　money；　like　other　things；　is　only　a

desirable　possession　on　account　of　its　uses；　and　that　these；

instead　of　being；　as　they　delusively　appear；　indefinite；　are　of　a

strictly　defined　and　limited　description；　namely；　to　facilitate

the　distribution　of　the　produce　of　industry　according　to　the

convenience　of　those　among　whom　it　is　shared。　Further

consideration　showed　that　the　uses　of　money　are　in　no　respect

promoted　by　increasing　the　quantity　which　exists　and　circulates

in　a　country；　the　service　which　it　performs　being　as　well

rendered　by　a　small　as　by　a　large　aggregate　amount。　Two　million

quarters　of　corn　will　not　feed　so　many　persons　as　four　millions；

but　two　millions　of　pounds　sterling　will　carry　on　as　much

traffic；　will　buy　and　sell　as　many　commodities；　as　four　millions；

though　at　lower　nominal　prices。　Money；　as　money；　satisfies　no

want；　its　worth　to　any　one；　consists　in　its　being　a　convenient

shape　in　which　to　receive　his　incomings　of　all　sorts；　which

incomings　he　afterwards；　at　the　times　which　suit　him　best；

converts　into　the　forms　in　which　they　can　be　useful　to　him。　Great

as　the　difference　would　be　between　a　country　with　money；　and　a

country　altogether　without　it；　it　would　be　only　one　of

convenience；　a　saving　of　time　and　trouble；　like　grinding　by　water

power　instead　of　by　hand；　or　（to　use　Adam　Smith's　illustration）

like　the　benefit　derived　from　roads；　and　to　mistake　money　for

wealth；　is　the　same　sort　of　error　as　to　mistake　the　highway　which

may　be　the　easiest　way　of　getting　to　your　house　or　lands；　for　the

house　and　lands　themselves。

　　　　Money；　bein