Having made these last admissions, she returned to her original statement, namely, that every one in the country really supported these banks.  As to the fewness of the people, and the absence of the able-bodied, she pointed out to me with some justice that this was exactly what we ought to expect.  The men who were most conversant about the stability of human institutions, such as the lawyers, men of science, doctors, statesmen, painters, and the like, were just those who were most likely to be misled by their own fancied accomplishments, and to be made unduly suspicious by their licentious desire for greater present return, which was at the root of nine-tenths of the opposition; by their vanity, which would prompt them to affect superiority to the prejudices of the vulgar; and by the stings of their own conscience, which was constantly upbraiding them in the most cruel manner on account of their bodies, which were generally diseased.

Let a person’s intellect (she continued) be never so sound, unless his body is in absolute health, he can form no judgement worth having on matters of this kind.  The body is everything:  it need not perhaps be such a strong body (she said this because she saw that I was thinking of the old and infirm-looking folks whom I had seen in the bank), but it must be in perfect health; in this case, the less active strength it had the more free would be the working of the intellect, and therefore the sounder the conclusion.  The people, then, whom I had seen at the bank were in reality the very ones whose opinions were most worth having; they declared its advantages to be incalculable, and even professed to consider the immediate return to be far larger than they were entitled to; and so she ran on, nor did she leave off till we had got back to the house.

She might say what she pleased, but her manner carried no conviction, and later on I saw signs of general indifference to these banks that were not to be mistaken.  Their supporters often denied it, but the denial was generally so couched as to add another proof of its existence.  In commercial panics, and in times of general distress, the people as a mass did not so much as even think of turning to these banks.  A few might do so, some from habit and early training, some from the instinct that prompts us to catch at any straw when we think ourselves drowning, but few from a genuine belief that the Musical Banks could save them from financial ruin, if they were unable to meet their engagements in the other kind of currency.

In conversation with one of the Musical Bank managers I ventured to hint this as plainly as politeness would allow.  He said that it had been more or less true till lately; but that now they had put fresh stained glass windows into all the banks in the country, and repaired the buildings, and enlarged the organs; the presidents, moreover, had taken to riding in omnibuses and talking nicely to people in the streets, and to remembering the ages of their children, and giving them things when they were naughty, so that all would henceforth go smoothly.