Shortly after plucking the golden fruit which fell into his hands from the St. Domingo insurrection Girard enlarged his business by building several splendid ships and entering into the China and India trade. His operations in this line were managed with a spirit that indicated a true mercantile genius, and contributed greatly to the enlargement of his fortune.
He made these ships the visible expressions of his thoughts on religion and philosophy by naming them, after his favorite authors, the Montesquieu, the Helvetius, the Voltaire, and the Rousseau. He thus defiantly assured the world that he was not only a skeptic, but that he also gloried in that by no means creditable fact.
Girard’s life was filled with enigmas. He really loved no living soul. He had no sympathies. He would not part with his money to save agent, servant, neighbor, or relation from death. Nevertheless, when the yellow fever spread dismay, desolation, and death throughout Philadelphia, in 1793, sweeping one-sixth of its population into the grave in about sixty days, he devoted himself to nursing the sick in the hospital with a self-sacrificing zeal which knew no bounds, and which excited universal admiration and praise. His biographer accounts for this conduct, repeated on two subsequent visitations of that terrible fever, by supposing that he was naturally benevolent, but that his early trials had sealed up the fountains of his human feeling. A great public catastrophe broke the seal, the suppressed fountain flowed until the day of terror passed, and then with resolute will he resealed the fountain, and became a cold-hearted, selfish man again.
His selfish disregard for the claims of his dependents was shown, one day, when one of his most successful captains, who had risen from the humble position of apprentice to the command of a fine ship, asked to be transferred to another ship. Girard made him no reply, but, turning to his desk, said to his chief clerk: