I. There is some such gain or usury lawful and commendable. II. There is some such gain or usury unlawful and a heinous sin. I shall first give my reasons of the first proposition.
I. If all usury be forbidden it is either by the law of nature, or by some positive law of supernatural revelation: if the latter, it is either by some law of Moses, or by some law of Christ: if the former, it is either as against the rule of piety to God, or against justice or charity to men. That which is neither a violation of the natural laws of piety, justice, or charity; nor against the supernaturally revealed laws of Moses or of Christ, is not unlawful. But there is some usury which is against none of all these; ergo there is some usury which is not unlawful.
I will first lay you down the instances of such usury, and then prove it. There is a parcel of land to be sold for a thousand pounds, which is worth forty pounds per annum, and hath wood on it worth a thousand pounds (some such things we have known): John N. is willing to purchase it; but he hath a poor neighbour, T. S. that hath no money, but a great desire of the bargain. J. N. loving his neighbour as himself, and desiring his wealth, lendeth him the thousand pounds upon usury for one year. T. S. buyeth the land, and selleth the wood for the same money, and repayeth it in a year, and so hath all the land for almost nothing; as if J. N. had purchased the land and freely given it him, after a year or two; the gift had been the same.
Object. Here you suppose the seller wronged by selling his land almost for nothing.
Answ. 1. That is nothing at all to the present case, but a different case by itself. 2. I can put many cases in which such a sale may be made without any wrong to the seller: as when it is done by some prince, or state, or noble and liberal person, purposely designing the enriching of the subjects, or after a war, as lately in Ireland. So that the question is, whether J. N. may not give T. S. a thousand or eight hundred pounds' worth of land, taking a year's rent first out of the land, or a year's use for the money, which cometh to the same sum.
Another: a rich merchant trading into the East Indies, having five thousand pounds to lay out upon his commodities in traffic, when he hath laid out four thousand five hundred pounds, lendeth in charity the other five hundred pounds to one of his servants to lay out upon a commodity, which when it cometh home will be worth two thousand pounds; and offereth him to secure the carriage with his own; requiring only the use of his money at six per cent. Here the taking of thirty pounds' use, is but the giving him one thousand four hundred and seventy pounds, and is all one with deducting so much of the gift.
Another instance: certain orphans having nothing left them but so much money as will by the allowed use of it find them bread and poor clothing; the guardian cannot lay it out in lands for them; and if he maintain them upon the stock, it will be quickly spent, and he must answer for it: a rich man that is their neighbour tradeth in iron works, (furnaces or forges,) or lead works, or other such commodities, in which he constantly getteth the double of the stock which he employeth, or at least twenty pounds or forty pounds in the hundred; the guardian dare not lend the money to any poor man, lest he break and never be able to pay it; therefore he lendeth it this rich man. And if he have it without usury, the poor orphans give the rich man freely twenty pounds or forty pounds a year, supposing their stock to be a hundred; if he take usury, the rich man doth but give the poor orphans some part of his constant gain.
Another instance: in a city or corporation where there is a rich trade of clothing or making silks, there is a stock of money given by legacy for the poor, and intrusted into the hands of the richest of the city, to trade with and give the poor the use of it: and there is another stock left to set up young beginners, who have not a stock to set up themselves; on condition that they give the third part of their gain to the poor, and at seven years' end resign the stock: the question is, Whether the poor should be without this use of their money, and let the rich go away with it? or whether they may take it?
Now I prove that such usury is not forbidden by God.
1. It is not forbidden us by the law of Moses: (1.) Because Moses's law never did forbid it: for, 1. It is expressly forbidden as an act of unmercifulness; and therefore forbidden only to the poor and to brethren, Exod. xxii. 25; Lev. xxv. 36, 37. Yea, when the poor are not named, it is the poor that are meant; because in that country they did not keep up stocks for merchandise or trading, but lent usually to the needy only: at least the circumstances of the several texts show, that it is only lending to the needy, and not lending to drive on any enriching trades, which is meant where usury is forbidden.[157] 2. And it is expressly allowed to be used to strangers, Deut. xxiii. 19, 20, to whom nothing unjust or uncharitable might be done; only such a measure of charity was not required towards them as unto brethren. And there were more merchants of strangers that traded with them in foreign commodities, than of Jews that fetched them home: so that the prohibition of usury is in the law itself restrained only to their lending to the poor; but in the prophets who do but reprove the sin, it is expressed without that limitation, partly because it supposeth the meaning of the law to be known, which the prophets did but apply, and partly because there was little or no lending used among the Jews, but to the needy as an act of charity.
(2.) And if it had been forbidden in Moses's law only, it would not extend to christians now; because the law of Moses, as such, is not in force: the matter of it is much of the law of nature indeed; but as Mosaical, it was proper to the Jews and proselytes, or at least extended not to the christian gentiles; as is plain in 2 Cor. iii. 7; Gal. iii. 19, 24; v. 3; Ephes. ii. 15; 1 Tim. i. 7; Heb. vii. 12, 16, 19. Moses's law as such never bound any other nations, but the proselytes that joined themselves to the Jews (nor was all the world obliged so to be proselyted as to take up their laws): much less do they bind us that are the servants of Christ, so long after the dissolution of their commonwealth. So much of them as are part of the law of nature, or of any positive law of Christ, or of the civil law of any state, are binding as they are such natural, christian, or civil laws. But not one of them as Mosaical: though the Mosaical law is of great use to help us to understand the law of nature in many particular instances, in which it is somewhat difficult to us.
2. There is no positive law of Christ forbidding all usury: as for Luke vi. 32, 35, it is plainly nothing to the case; for he saith not, Lend, looking for no gain or increase, but looking for nothing again. And the context showeth that the meaning must be one of these two; either, q. d. Lend not only to them that will lend to you again when you are in want; but even to the poor, that you can never hope to borrow of; or else, Lend not only to them that are able to pay you, and where your stock is secured, but to the needy where your money is hazarded; and though they will pay you if they are able, yet you have little or no hope that ever they should be able to repay: lend so, as to be willing to make a gift of it in case the borrower never repay it. And there is no other text that can be pretended against it in the New Testament.
3. And that the law of nature doth not forbid all usury, will appear by examining the several parts of it. The law of nature forbiddeth but three sorts of sins: 1. Those that are against piety to God. 2. Those that are against our own welfare. 3. Those that are against our neighbour's good: and that is, 1. Against justice. 2. Against charity. There is none that falleth not under some of these heads.
1. And that usury is not naturally evil as against piety to God; 2. Or as against ourselves, and our own welfare; I need not prove, because no reason nor reasonable person doth lay any such accusation against it. Though they that think it absolutely unlawful, say that it is consequently against God, as every violation of his law is. But that is nothing to the case.
3. Therefore there is no doubt but the whole controversy is resolved into this last question, Whether all usury be against justice or charity to our neighbour? Justice obligeth me to give him his own; charity obligeth me to give him more than his own, in certain cases, as one that love him as myself. That which is not against justice, may be against charity; but that which is against charity, is not always against justice strictly taken. And that which is an act of true charity, is never against justice; because he that giveth his neighbour more than his own, doth give him his own and more. There is a usury which is against justice and charity; there is a usury which is against charity, but not against mere justice; and there is a usury which is against neither justice nor charity. If I prove it charitable it is superfluous to say more.
All the instances before given are notoriously charitable. That which is for the preservation of the lives and comforts of the poor, and of orphans, or for the enriching of my neighbour, is an act of charity; but such is some usury, past all doubt, as is before declared. Where the contrary is an act of cruelty, the usury is not against charity, but for it. For the rich to deny to the poor and orphans a part of that gain, which they make by the improvement of their own money, is oppression and cruelty; if it be cruel to let a beggar die or starve, when we should feed and clothe him of our own; much more to let the poor and orphans starve and perish rather than give them the increase of their own, or part of it at least. As for them that say, It may be as well improved otherwise, they are unexperienced men; it is a known falsehood as to the most, though some few may meet with such opportunities. At least it is nothing to them that cannot have other ways of improving it; who are very many.
Moreover, when it is not an act of charity, yet it may be not against charity in these cases: 1. When the lender is poor and the borrower rich; yea, it may be a sin to lend it freely. "He that oppresseth the poor to increase his riches, and he that gives to the rich, shall surely come to want," Prov. xxii. 16. It is a giving to the rich to lend freely that money which they improve to the increase of their riches. 2. When the lender is not obliged to that act of charity, though the borrower be poorer than himself. Which falleth out in a hundred cases; and may be comprised under this one general, When the lender is obliged to expend that same money in some other greater, better work: as at the same time while a man that is worth but twenty pounds a year, is in debt to a man that hath a thousand pounds a year, there may be a hundred or a thousand poor people worth nothing, ready to perish, whom the rich is rather bound to succour, than him that hath but twenty pounds a year. And there may be works of piety (as to set up a school, or promote the preaching of the gospel) which may be as great as either. And the richest that is, cannot do all the good that is to be done, nor relieve all the persons that are in want; therefore when he must leave much undone, if he would give all his substance, it is (cæteris paribus) a sin, to give that to a man that can make shift without it, and pass by a hundred in much deeper necessity and distress; so that he who either exerciseth charity in his usury, or doth nothing against charity and justice, certainly sinneth not by that usury. For all the scriptures which speak against usury, speak against it as a cruel or uncharitable thing.
Object. But it is sometimes necessary for a law to forbid that which otherwise would be good, when it cannot be done, without encouraging others to a greater evil; such as ordinary usury is; and then that law must be observed.
Answ. This is true in thesi, that such cases there are; but it is unproved and untrue in this case; for, 1. There is no such law. 2. There is no such reason or necessity of such a law. For God can as well make laws against unrighteous or uncharitable increase or usury, without forbidding that which is charitable and just, as he can make laws against unrighteous or uncharitable buying or selling without condemning that which was good and just; or as he can forbid gluttony, drunkenness, idleness, pride, without forbidding eating, drinking, apparel, or riches. He can easily tell men of whom and in what case to take use, and when not.
He that would see all other objections answered, and the case fully handled, hath many treatises on both sides extant to inform him.
II. That there is a sort of usury which is evil I know of no man that doubteth, and therefore need not stand to prove.
Quest. When is usury sinful?
Answ. As is before said, When it is against either justice or charity. 1. When it is like cheating bargaining, which under pretence of consent and a form of justice doth deceive or oppress, and get from another that which is not truly ours but his. 2. When you lend for increase where charity obligeth you to lend freely; even as it is a sin to lend expecting your own again, when charity obligeth you to give it. 3. When you uncharitably exact that which your brother is disabled utterly to pay, and use cruelty to procure it (be it the use or the principal). 4. When you allow him not such a proportion of the gain as his labour, hazard, or poverty doth require; but because the money is yours, will live at ease upon his labours. 5. When in case of his losses you rigorously exact your due without that abatement, or forgiving debts, (whether use or principal,) which humanity and charity require. In a word, when you are selfish, and do not as, according to true judgment, you may desire to be done by, if you were in his case.
Quest. But when am I bound to exercise this charity in not taking use?
Answ. As I said before, 1. Whenever you have no more urgent, and necessary, and excellent work, to lay out that money on, which you are so to receive. 2. Yea, though another work may be in itself better, (as to relieve many poorer, better men with that money,) yet when you cannot take it, without the utter undoing of the debtor, and bringing him into as bad a case, as any single person whom you would relieve, it is the safer side to leave the other unrelieved, (unless it be a person on whom the public good much dependeth,) rather than to extort your own from such a one to give another. Because that which you cannot get without a scandalous appearance of cruelty, is quoad jus in re not yours to give, till you can better get possession of it; and therefore God will not expect that you should give it to another.
In all this I imply that as you must prefer the lives of others in giving alms, before your own conveniences and comforts, and must not say, I cannot spare it, when your necessity may spare it, though not your pleasure; so also in taking use of those that you are bound to show charity to, the same rule and proportions must be observed in your charity.
Note also, that in all this it appeareth, that the case is but gradually different, between taking the use and taking the principal. For when the reason for remitting is the same, you are as well bound to remit the principal as the use.
But this difference there is, that many a man of low estate may afford to lend freely to a poorer man for a little time, who cannot afford to give it. And prudence may direct us to choose one man to lend freely to for a time, because of his sudden necessity, when yet another is fitter to give it to.
Quest. XIII. Is lending a duty? If so, must I lend to all that ask me, or to whom?
Answ. Lending is a duty, when we have it, and our brother's necessity requireth it, and true prudence telleth us, that we have no better way to lay it out, which is inconsistent with that. And therefore rich men ordinarily should both lend and give as prudence shall direct. But there is an imprudent and so a sinful lending: as, 1. When you will lend that which is another's, and you have no power to lend. 2. When you lend that which you must needs require again, while you might easily foresee that the borrower is not like to pay. Lend nothing but what you have either great probability will be repaid, or else which you are willing to give in case the debtor cannot or will not pay; or at least when suing for it will not have scandalous and worse effects than not lending. For it is very ordinary when you come to demand it and sue for it, to stir up the hatred of the debtor against you, and to make him your enemy, and to break his charity by your imprudent charity; in such a case, if you are obliged to relieve him, give him so much as you can spare, rather than lend him that which you cannot spare, but must sue for. In such cases, if charity go not without prudence, nor prudence without charity, you may well enough see when to lend, and how much.
Quest. XIV. Is it lawful to take upon usury in necessity, when the creditor doth unjustly or unmercifully require it?
Answ. Not in case that the consequents (by encouraging sin or otherwise) be like to do more hurt, than the money will do you good. Else, it is lawful when it is for your benefit; as it is lawful to take part of your wages for your work, or part of the worth of your commodity, when you cannot have the whole; and as it is lawful to purchase your rights of an enemy, or your life of a thief; as is aforesaid. A man may buy his own benefit of an unrighteous man.
Quest. XV. Doth not contracting for a certain sum of gain, make usury to be in that case unlawful, which might lawfully be taken of one that is free?
Answ. Yes, in case that contracting determine an uncertain case without sufficient cause: as if you agree, that whether the borrower gain or lose, and be poor or rich, I will have so much gain; that is, whether it prove merciful or unmerciful, I will have it. But then in that case, if it so prove unmerciful, it may not be taken without contracting, if freely offered. No contract may tie the debtor to that which is against justice or charity; and no contract may absolutely require that which may prove uncharitable; unless there be a tacit condition or exception of such a case implied. Otherwise I see no scripture or reason, why a contract altereth the case, and may not be used to secure that increase which is neither unrighteous nor unmerciful: it may be the bond of equity, but not of iniquity. As in case of a certain gain by the borrower, a certain use may be contracted for; and in case of uncertain gain to the borrower, a conditional contract may be made. Yea, in case of merchandise, where men's poverty forbiddeth not such bargains, I see not but it is lawful to sell a greater uncertain gain, for a smaller certain gain; and so to make the contracts absolute (as Amesius Cas. Consc. on this question showeth). As all oppression and unmercifulness must be avoided, and all men must do as they would (judiciously) be done by; so it is a bad thing to corrupt religion, and fill the world with causeless scruples, by making that a sin which is no sin. Divines that live in great cities and among merchandise, are usually fitter judges in this case, than those that live more obscurely (without experience) in the country.
Quest. 1. Is it lawful to lay wagers upon the credit or confidence of one another's opinions or assertions in discourse? As e. g. I will lay you so much that I am in the right?
Answ. Yes, if these three things concur: 1. That the true end of the wager is, to be a penalty to him that shall be guilty of a rash and false assertion, and not to gratify the covetousness of the other. 2. That it be no greater a sum than can be demanded and paid, without breach of charity, or too much hurt to the loser (as above the proportion of his error). 3. That it be no other but what both parties are truly willing to stand to the loss of, if either of them lose, and that beforehand they truly seem so willing to each other.
Quest. II. Is it lawful to lay wagers upon horseraces, dogs, hawks, bear-baitings, or such games as depend upon the activity of beast or man?
Answ. Yes, upon the two last expressed conditions; and, 3. That it be not an exercise which is itself unlawful, by cruelty to beasts, or hazard to the lives of men, (as in fencing, running, wrestling, &c. it may fall out if it be not cautelously done,) or by the expense of an undue proportion of time in them, which is the common malignity of such recreations.
Quest. III. May I lawfully give money to see such sports, as bear-baitings, stage-plays, masks, shows, puppet-plays, activities of man or beast? &c.
Answ. There are many shows that are desirable and laudable, (as of strange creatures, monsters, rare engines, activities, &c.) the sight of which it is lawful to purchase, at a proportionable price; as a prospect through one of Galileo's tubes or such another, is worth much money to a studious person. But when the exercise is unlawful, (as all stage-plays are that ever I saw, or had just information of; yea, odiously evil; however it is very possible that a comedy or tragedy might with abundance of cautions be lawfully acted,) it is then (usually) unlawful to be a spectator either for money or on free cost. I say, (usually,) because it is possible that some one that is necessitated to be there, or that goeth to find out their evil to suppress them, or that is once only induced to know the truth of them, may do it innocently; but so do not they, who are present voluntarily and approvingly. 3. And if the recreation be lawful in itself, yet when vain persons go thither to feed a carnal fancy and vicious humour, which delighteth more in vanity, than they delight in piety, and when it wasteth their time and corrupteth their minds, and alienateth them from good, or hindereth duty, it is to them unlawful.
Quest. IV. Is it lawful to play at cards or dice for money, or at any lottery?[158]
Answ. The greatest doubt is, whether the games be lawful, many learned divines being for the negative, and many for the affirmative; and those that are for the affirmative lay down so many necessaries or conditions to prove them lawful, as I scarce ever yet saw meet together; but if they be proved at all lawful, the case of wagers is resolved as the next.
Quest. V. May I play at bowls, run, shoot, &c. or use such personal activities for money?
Answ. Yes, 1. If you make not the game itself bad, by any accident. 2. If your wager be laid for sport, and not for covetousness (striving who shall get another's money, and give them nothing for it). 3. And if no more be laid than is suitable to the sport, and the loser doth well and willingly pay.
Quest. VI. If the loser who said he was willing, prove angry and unwilling when it cometh to the paying, may I take it, or get it by law against his will?
Answ. No, not in ordinary cases: because you may not turn a sport to covetousness, or breach of charity; but in case that it be a sport that hath cost you any thing, you may in justice take your charges, when prudence forbids it not.
Quest. I. If I find money or any thing lost, am I bound to seek out the owner, if he seek not after me? and how far am I bound to seek him?
Answ. You are bound to use such reasonable means, as the nature of the case requireth, that the true owner may have his own again. He that dare keep another man's money, because he findeth it, it is like would steal, if he could do it as secretly. Finding gives you no propriety, if the owner can be found: do as you would be done by, and you may satisfy your conscience. If nearer inquiry will not serve, you are bound to get it cried in the market, or proclaimed in the church, or mentioned in the Curranto's that carry weekly news, or any probable way, which putteth you not upon unreasonable cost or labour.
Quest. II. May I take any thing for the finding of it, as my due?
Answ. You may demand so much as shall pay for any labour or cost which you have been at about it, or finding out the owner. But no more as your due; though a moderate gratuity may be accepted, if he freely give it.
Quest. III. May I desire to find money or any thing else in my way? or may I be glad when I have found it?
Answ. You should first be unwilling that your neighbour should lose it, and be sorry that he hath lost it; but supposing that it be lost, you may moderately desire that you may find it rather than another; not with a covetous desire of the gain; but that you may faithfully gratify the owner in restoring it, or if he cannot be found may dispose of it as you ought. And you should be more sorry that it is lost, than glad that you find it, except for the owner.
Quest. IV. If no owner can be found, may I not take it and use it as mine own?
Answ. The laws of the land do usually regulate claims of propriety in such matters. Where the law giveth it to the lord of the manor, it is his, and you must give it him. Where it giveth it to no other, it is his that findeth it; and occupancy will give him propriety. But so as it behoveth him to judge, if he be poor, that God's providence ordered it for his own supply; but if he be rich, that God sent it him but as to his steward, to give it to the poor.
Quest. V. If many be present when I find it, may I not wholly retain it to myself; or may I not conceal it from them if I can?
Answ. If the law overrule the case, it must be obeyed; but if it do not, you may, if you can, conceal it, and thereby become the only finder, and take it as your own, if the owner be not found: but if you cannot conceal it at the time of finding, they that see it with you, are partly the finders as well as you; though perhaps the largest share be due to the occupant.
Quest. VI. If I trust my neighbour or servant with money or goods, or if another trust me, who must stand to the loss if they be lost?
Answ. Here also the law of the land as regulating proprieties must be very much regarded; and especially the true meaning of the parties must be understood: if it was antecedently the expressed or implied meaning that one party in such or such a case should bear the loss, it must in strict justice be according to the true meaning of the parties. Therefore if a carrier that undertaketh to secure it, loseth it, he loseth it to himself. Or if one that it is lent to on that condition (explicit or implicit) lose it, it is to himself. But if a friend to whom you are beholden for the carriage, lose it, who undertook no more than to bestow his labour, the loss must be yours; yea, though it was his negligence or drunkenness that was the fault; for you took him and trusted him as he is. But if a servant, or one obliged to do it by hire, do without any other agreement, only undertake to serve you in it, and loseth it, the law or custom of the country is instead of a contract; for if the law or custom lay the loss on him, it is supposed that he consented to it in consenting to be your servant; if it lay it on you, it is supposed that you took your servant on such terms of hazard. But if it be left undecided by law and custom, you may make your servant pay only so much as is a proportionable penalty for his fault, but no more, as any satisfaction for your loss; except you agreed with him to repay such losses as were by his default. And when it is considered what strict justice doth require, it must also be considered what charity and mercy do require, that the poor be not oppressed.
Quest. I. Is it lawful to put oneself, or servants, especially young unestablished apprentices, into temptations of an infidel country, (or a popish,) for the getting of riches, as merchants do?[159]
Answ. This cannot be truly answered without distinguishing, 1. Of the countries they go from. 2. Of the places they go to. 3. Of the quality of the persons that go. 4. Of the causes of their going.
I. Some countries that they go from may be as bad as those that they go to, or in a state of war, when it is better to be absent, or in a time of persecution, or at least of greater temptation than they are like to have abroad. And some are contrarily as a paradise in comparison of those they go to, for holiness and helps to heaven, and for peace and opportunities of serviceableness to God and the public good.
II. Some countries which they may go to, may have as good helps for their souls as at home, if not by those of the religion of the nation, yet by christians that live among them, or by the company which goeth with them; or at least there may be no great temptations to change their religion, or debauch them, either through the civility and moderation of those they live among, or through their sottish ignorance and viciousness, which will rather turn men's hearts against them. But some countries have so strong temptations to corrupt men's understandings through the subtlety of seducers, and some have such allurements to debauch men, and some such cruelties to tempt them to deny the truth, that it is hard among them to retain one's innocency.
III. Some that go abroad are understanding, settled christians, able to make good use of other men's errors, and sins, and ill examples or suggestions, and perhaps to do much good on others; but some are young, and raw, and unexperienced, whose heads are unfurnished of those evidences and reasons by which they should hold fast their own profession against the cunning reasonings of an adversary, and their hearts are unfurnished of that love to truth, and that serious resolution, which is necessary to their safety, and therefore are like to be corrupted.
IV. Some are sent by their princes as agents or ambassadors on employments necessary to the public good; and some are sent by societies on business necessary to the ends of the society; and some go in case of extreme poverty and necessity, having no other way of maintenance at home; and some go in obedience to their parents and masters that command it them; and some go to avoid the miseries of a war, or the danger of a sharp persecution at home, or the greater temptations of a debauched or seducing age, or some great temptations in their families. But some go for fancy, and some for mere covetousness, without need.
By these distinctions the case may be answered by men that are judicious and impartial. As,
I. Affirm. 1. It is lawful for ambassadors to go among infidels, that are sent by princes and states; because the public good must be secured.
2. It is lawful for the agents of lawful societies or trading companies to go (cæteris paribus, the persons being capable); because trade must be promoted, which tendeth to the common good of all countries.
3. It is not only lawful, but one of the best works in the world, for fit persons to go on a design to convert the poor infidels and heathens where they go. Therefore the preachers of the gospel should not be backward to take any opportunity, as chaplains to ambassadors, or to factories, &c. to put themselves in such a way.
4. It is lawful for a son or servant (whose bonds extend to such a service) to go in obedience to a superior's command; and God's special protection may be trusted in a way of obedience.
5. It is lawful for one in debt to go, that hath probable hopes that way and no other to pay his debts. Because he is a defrauder if he detain other men's money, while a lawful way of repaying it may be taken.
6. It is lawful for a duly qualified person to go in case of extreme poverty, to be able to live in the world; and that poverty may be called extreme to one that was nobly born and educated, which would be no poverty to one that was bred in beggary.
7. It is lawful for a well qualified person, who desireth riches to serve God, and to do good with, to go in a way of trading, though he be in no poverty or necessity himself. Because God's blessing on a lawful trade may be desired and endeavoured, and he that should do all the good he can, may use what lawful means he can to be enabled to do it. And other men's wants should be to us as our own, and therefore we may endeavour to be able to relieve them.
8. In a time of such civil war, when a man knoweth not which side to take, it may be better for some men to live abroad; yea, among infidels.
9. There is little to dissuade a man whose trade leadeth him into a country that is better than his own, or so sottish as to have small temptation, and that hath the company of faithful christians, with which he may openly worship God, and privately converse to his spiritual edification.
10. In urgent cases one may go for a time, where he can have no use of public church worship, so be it he have private means and opportunities of holy living.
11. It is lawful on less occasions to leave one's own country in a time of debauchery, when temptations at home are greater than those abroad, or in a time of such persecution as may lawfully be avoided, than at another time.
12. A settled christian may go more safely, and therefore lawfully, on smaller urgencies, than a young, raw, lustful, fanciful, unsettled novice may.
II. Neg. 1. It is not lawful for any one to seek riches or trade abroad or at home, principally for the love of riches, to raise himself and family to fulness, prosperity, or dignity: though all this may be desired when it is a means to God's service and honour, and the public good, and is desired principally as such a means.
2. It is not lawful to go abroad, especially into infidel or popish countries, without such a justifiable business, whose commodity will suffice to weigh down all the losses and dangers of the remove.
3. The dangers and losses of the soul are to be valued much above those of the body and estate, and cannot be weighed down by any mere corporal commodity.
4. It is less dangerous usually to go among Turks and heathens, (whose religion hath no tempting power to seduce men,) than among Socinians or papists, whose errors and sins are cunningly and learnedly promoted and defended.
5. It is not lawful for merchants or others for trade and love of wealth or money, to send poor raw, unsettled youths into such countries where their souls are like to be notably endangered, either by being deprived of such teaching and church helps which they need, or by being exposed to the dangerous temptations of the place; because their souls are of more worth than money.
6. It is not lawful therefore for master or servant to venture his own soul in such a case as this last mentioned; that is, so far as he is free, and without necessity doth it only for commodity sake.
7. We may not go where we cannot publicly worship God, without necessity, or some inducement from a greater good.
8. The more of these hinderances concur the greater is the sin: it is therefore a mere wilful casting away of their own souls, when unfurnished, unsettled youths (or others like them) shall for mere humour, fancy, or covetousness leave such a land as this, where they have both public and private helps for their salvation, and to go among papists, infidels, or heathens, where talk or ill example is like to endanger them, and no great good can be expected to countervail such a hazard, nor is there any true necessity to drive them, and where they cannot publicly worship God, no, nor openly own the truth, and where they have not so much as any private company to converse with, that is fit to further their preservation and salvation, and all this of their own accord, &c.
Quest. II. May a merchant or ambassador leave his wife, to live abroad?
Answ. 1. We must distinguish between what is necessitated, and what is voluntary. 2. Between what is done by the wife's consent, and what is done without. 3. Between a wife that can bear such absence, and one that cannot. 4. Between a short stay, and a long or continued stay.
1. The command of the king, or public necessities, may make it lawful, except in a case so rare as is not to be supposed (which therefore I shall not stand to describe). For though it be a very tender business to determine a difference between the public authority or interest, and family relations and interest, when they are contradictory and unreconcilable, yet here it seemeth to me, that the prince and public interest may dispose of a man contrary to the will and interest of his wife; yea, though it would occasion the loss, 1. Of her chastity. 2. Or her understanding. 3. Or her life: and though the conjugal bond do make man and wife to be as one flesh. For, 1. The king and public interest may oblige a man to hazard his own life, and therefore his wife's. In case of war, he may be sent to sea, or beyond sea, and so both leave his wife (as Uriah did) and venture himself. Who ever thought that no married man might go to foreign wars without his wife's consent? 2. Because as the whole is more noble than the part, so he that marrieth obligeth himself to his wife, but on supposition that he is a member of the commonwealth, to which he is still more obliged than to her.
2. A man may for the benefit of his family leave his wife for travel or merchandise, for a time, when they mutually consent upon good reason that it is like to be for their good.
3. He may not leave her either without or with her own consent, when a greater hurt is like to come by it, than the gain will countervail. I shall say no more of this, because the rest may be gathered from what is said in the cases about duties to wives, where many other such are handled.
Quest. III. Is it lawful for young gentlemen to travel in other kingdoms, as part of their education?[160]
Answ. The many distinctions which were laid down for answer of the first question, must be here supposed, and the answer will be mostly the same as to that, and therefore need not be repeated.
1. It is lawful for them to travel that are necessarily driven out of their own country, by persecution, poverty, or any other necessitating cause.
2. It is lawful to them that are commanded by their parents (unless in former excepted cases, which I will not stay to name).
3. It is the more lawful when they travel into countries as good or better than their own, where they are like to get more good than they could have done at home.
4. It is more lawful to one that is prudent and firmly settled both in religion, and in sobriety and temperance, against all temptations which he is like to meet with, than to one that is unfurnished for a due resistance of the temptations of the place to which he goeth.
5. It is more lawful to one that goeth in sober, wise, and godly company, or is sent with a wise and faithful tutor and overseer, than to leave young, unsettled persons to themselves.
6. In a word, it is lawful when there is a rational probability, that they will not only get more good than hurt, (for that will not make it lawful,) but also more good than they could probably have other ways attained.
II. But the too ordinary course of young gentlemen's travels out of England now practised, I take to be but a most dangerous hazarding, if not a plain betraying them to utter undoing, and to make them afterwards the plagues of their country, and the instruments of the common calamity. For, 1. They are ordinarily sent into countries far worse and more dangerous than their own, where the temptations are stronger than they are fit to deal with; into some countries where they are tempted to sensuality, and into some where they are tempted to popery or infidelity. In some countries they learn to drink wine instead of beer; and arising from the smaller sort to the stronger, if they turn not drunkards, they contract that appetite to wine and strong drink, which shall prove (as Clemens Alexandrinus calleth gluttony and tippling) a throat-madness, and a belly-devil, and keep them in the sin of gulosity all their days. And in some countries they shall learn the art of gluttony, to pamper their guts in curious, costly, uncouth fashions, and to dress themselves in novel, fantastical garbs, and to make a business of adorning themselves, and setting themselves forth with proud and procacious fancies and affections, to be looked upon as comely persons to the eyes of others. In some countries they shall learn to waste their precious hours in stage-plays, and vain spectacles, and ceremonies, attendances, and visits, and to equalize their life with death, and to live to less use and benefit to the world than the horse that carrieth them. In most countries they shall learn either to prate against godliness, as the humour of a few melancholy fools, and be wiser than to believe God, or obey him, or be saved; or at least to grow indifferent and cold in holy affections and practices: for when they shall see papists and protestants, Lutherans and Calvinists, of contrary minds, and hear them reproaching and condemning one another, this cooleth their zeal to all religion, as seeming but a matter of uncertainty and contention. And when they also see how the wise and holy are made a scorn in one country, as bigots and Hugonots, and how the protestants are drunkards and worldlings in another country, and how few in the world have any true sense and savour of sound and practical religion, and of a truly holy and heavenly life, (as those few they are seldom so happy as to converse with,) this first accustometh them to a neglect of holiness, and then draweth their minds to a more low, indifferent opinion of it, and to think it unnecessary to salvation. For they will not believe that so few shall be saved as they find to be holy in the world; and then they grow to think it but a fancy and a troubler of the world.
And it addeth to their temptation, that they are obliged by the carnal ends which drew them out, to be in the worst and most dangerous company and places, that is, at princes' courts, and among the splendid gallantry of the world; for it is the fashions of the great ones which they must see, and of which when they come home they must be able to discourse: so that they must travel to the pest-houses of pomp, and lust, of idleness, gluttony, drunkenness, and pride, of atheism, irreligiousness, and impiety, that they may be able to glory what acquaintance they have got of the grandeur and gallantry of the suburbs of hell, that they may represent the way to damnation delectable and honourable to others, as well as to themselves.[161]
But the greatest danger is of corrupting their intellectuals, by converse with deceivers where they come; either infidels, or juggling Jesuits and friars: for when those are purposely trained up to deceive, how easy is it for them to silence raw and unfurnished novices, (yea, even when all their five senses must be captivated, in the doctrine of transubstantiation)! And when they are silenced they must yield: or at least they have deluding stories enough of the antiquity, universality, infallibility, unity of their church, with a multitude of lies of Luther, Calvin, Zuinglius, and other reformers, to turn their hearts and make them yield. But yet that they may be capable of doing them the more service, they are instructed for a time to dissemble their perversion, and to serve the Roman pride and faction in a protestant garb and name.
Especially when they come to Rome, and see its glory, and the monuments of antiquity, and are allured with their splendour and civilities, and made to believe that all the reports of their inquisitions and cruelties are false, this furthereth the fascination of unexperienced youths.
2. And usually all this while the most of them lay by all serious studies, and all constant employment, and make idleness and converse with the idle or with tempters, to be their daily work. And what a mind is like to come to, which is but one half year or twelve months accustomed to idleness, and to vain spectacles, and to a pleasing converse with idle and luxurious persons, it is easy for a man of any acquaintance with the world or with human nature to conjecture.
3. And they go forth in notable peril of their health or lives. Some fall into fevers, and die by change of air and drinks: some fall into quarrels in taverns, or about their whores, and are murdered. Some few prove so stedfast against all the temptations of the papists, that it is thought conducible to the holy cause that they should be killed in pretence of some quarrel, or be poisoned. Some by drinking wine do contract such sickness, as makes their lives uncomfortable to the last. And the brains of many are so heated by it, that they fall mad.
4. And all this danger is principally founded in the quality of the person sent to travel; which are ordinarily empty lads, between eighteen and twenty-four years of age, which is the time of the devil's chief advantage; when naturally they are prone to those vices which prove the ruin of the most, though you take the greatest care of them that you can.[162] 1. Their lust is then in the highest and most untamed rage. 2. Their appetites to pleasing meats and drinks are then strongest. 3. Their frolicsome inclinations to sports and recreations are then greatest. 4. And ignorant and procacious pride beginneth then to stir. 5. All things that are most vile and vain, are then apt to seem excellent to them, by reason of the novelty of the matter as to them, who never saw such things before, and by reason of the false esteem of those carnal persons, to whose pomp, and consequently to whose judgment, they would be conformed. 6. And they are at that age exceedingly inclined to think all their own apprehensions to be right, and to be very confident of their own conceptions, and wise in their own eyes; because their juvenile intellect being then in the most affecting activity, it seemeth still clear and sure to them, because it so much affects themselves. 7. But above all, they are yet unfurnished of almost all that solid wisdom, and settled holiness, and large experience, which is most necessary to their improvement of their travels, and to their resistance of all these temptations. Alas! how few of them are able to deal with a Jesuit, or hold fast their religion against deceivers! If the very vices, the ambition, the carnal policies and pomps, the filthiness and worldliness of the Roman clergy, did not become a preservative to men's minds against the temptations which would draw them to their way, and if the atheism, infidelity, whoredoms, and profaneness of papists did not become antidotes, how few were like to return uninfected! And because the Jesuits know that they can never take this stumblingblock out of the way, therefore too many of them have thought best to debauch those first whom they would proselyte, and reconcile them first to plays, and drunkenness, and whoredoms, that so the dislike of these may not hinder their reconciliation with the kingdom of Rome; yea, that a seeming necessity of a priest's pardon, may make it seem necessary to become their subjects.
And as unfurnished are these young travellers usually to resist the temptations to this sensuality, lust, and pomp, as those of popery; so that they are perfidiously sent into a pest-house, when they are in the greatest disposition to be infected. And if they come not home drunkards, gluttons, gamesters, idle, prodigal, proud, infidels, irreligious, or papists, it is little thanks to those perfidious parents, who thus perform their promise for them in baptism, by sending them to Satan's schools and university to be educated.
Whereas if they were but kept to their due studies, and under a holy government at home, till they were furnished with sound religious knowledge, and till they were rooted in holiness, and in love to a pious, sober life, and till they had got a settled hatred of intemperance and all sin, and till they had a map of the places, persons, and affairs of the world well imprinted on their minds by study and due information, then necessary travel would be more safe; and then they would be in a capacity to learn wisdom from other men's folly, and virtue from other men's vice, and piety from other men's impiety; which novices are rather apt to imitate.
5. And in the mean time the loss of all the helps which they should have at home, doth greatly tend to their destruction. For they oft travel into countries, where they shall have no public worship of God which is lawful, or which they understand; or if they have, it is usually cold preaching and dull praying, when they have need of the best, and all too little. And they have seldom such pious society to edify and quicken them by private converse, as they have, or might have, here at home; and seldom come into such well ordered, religious families. And if human nature be prone to infection by temptations, and so averse to holiness, that all means is too little, and even in the best families folly and sensuality, and a distaste of godliness, often thrive; (as unsown weeds overspread the garden, where with great cost and labour only better things were sowed;) what then but sin and misery can be expected from those that by their own parents are banished from their native country (not so well as into a wilderness, but) into the pestilent, infected countries of the world.
I would ask those parents that plead for this crime and cruelty as a kindness; are you no wiser or better yourselves than the company into which you send your children? Can you teach them and educate them no better, nor give them better examples, than they are like to have abroad? Can you set them on no better work, for the improvement of their time? If not, why do you not repent of this your shame and misery, and reform yourselves? If you can, why will you then betray your children? Or if you cannot, are there no schools, no learned and pious men, no religious families and company at home, in your own land, where you might place them to better advantage, than thus to expose them to the tempter? Undoubtedly there are; and such as may be had at cheaper rates.[163]
6. And it is not the smallest part of the guilt and danger, that they are sent abroad without due oversight and conduct. They that do but get them some sober or honest servant to attend them, or some sober companion, think they have done well; whenas they had need of some divine or tutor of great learning, piety, prudence, and experience, whom they will reverence and obey, that may take the oversight of them, and be ready to answer any sophist that would seduce them. But the charge of this is thought too great for the safety of their own children, whom they themselves expose to a necessity of it.
I know that carnal minds will distaste all this, and have objections enough against it, and reasons of their own, to make it seem a duty to betray and undo their children's souls, and to break their promise made for them in baptism: "All this is but our preciseness: they must have experience and know the world, or else they will be contemptible tenebriones or owls! Whenever they go it will be a temptation, and such they must have at home. There is no other part of their age so fit, or that can be spared, and we must trust God with them wherever they are; and they that will be bad, will be bad in one place as well as another; and many are as bad that stay at home." And thus quos perdere vult Jupiter hos dementat; yea, the poor children and commonwealth must suffer for such parents' sottish folly. And well saith Solomon, "The rich man is wise in his own conceit," Prov. xxviii. 11. And because it is not reason indeed but pride, and the rich disease and carnality which is here to be confuted, I shall not honour them with a distinct, particular answer; but only tell them, If all companies be alike, send them to Bedlam or to a whorehouse. If all means be alike, let them be janizaries, and bred up where Christ is scorned: if you think they need but little helps, and little watching, it seems you never gave them more. And it is a pity you should have children, before you know what a man is, and how much nature is corrupted, and how much is needful to its recovery. And it is a pity that you dedicated them to God in baptism, before you believed Christ, and knew what you did, and engaged them to renounce the world, the flesh, and the devil, under a crucified Christ, while you purposed like hypocrites to train them in the school and service of the world, the flesh, and the devil, and in the contempt of the cross of Christ, or of a holy, mortified life. And if all ages be alike, and novices be equal to experienced persons, let the scholars rule their master, and let boys be parliament men and judges, and let them be your guides at home! And if acquaintance with courtship and the customs of the world, and the reputation of such acquaintance, be worth the hazarding of their souls, renounce God, and give up your names to Mammon, and be not such paltry hypocrites, as to profess that you believe the Scriptures, and stand to your baptismal vows, and place your hopes in a crucified Christ, and your happiness in God's favour and the life to come. And if the preaching of the gospel, and all such religious helps, be unnecessary to your unsettled children, dissemble not by going to church, as if you took them to be necessary to yourselves. In a word, I say as Elias to the Israelites, "Why halt ye between two opinions? If God be God, follow him." If the world be God, and pride and sensuality and the world's applause be your felicity, follow it, and let it be your children's portion. Do you not see more wise, and learned, and holy, and serviceable persons among us, proportionably, in church and state, that were never sent for an education among the papists and profane, than of such as were?
But I will proceed to the directions which are necessary to those that must or will needs go abroad, either as merchants, factors, or as travellers.
Direct. I. Be sure that you go not without a clear warrant from God; which must be (all things laid together) a great probability, in the judgment of impartial, experienced, wise men, that you may get or do more good than you were like to have done at home. For if you go sinfully without a call or warrant, you put yourself out of God's protection, as much as in you is; that is, you forfeit it: and whatever plague befalls you, it will arm your accusing consciences to make it double.
Direct. II. Send with your children that travel, some such pious, prudent tutor or overseer as is afore described: and get them or your apprentices into as good company as possibly you can.
Direct. III. Send them as the last part of all their education, when they are settled in knowledge, sound doctrine, and godliness, and have first got such acquaintance with the state of the world, as reading, maps, and conversation and discourse can help them to: and not while they are young, and raw, and uncapable of self-defence, or of due improving what they see. And those that are thus prepared, will have no great lust or fancy to wander, and lose their time, without necessity; for they will know, that there is nothing better (considerably) to be seen abroad, than is at home; that in all countries, houses are houses, and cities are cities, and trees are trees, and beasts are beasts, and men are men, and fools are fools, and wise men are wise, and learned men are learned, and sin is sin, and virtue is virtue; and these things are but the same abroad as at home: and that a grave is every where a grave, and you are travelling towards it, which way ever you go. And happy is he that spendeth his little time so, as may do God best service, and best prepare him for the state of immortality.
Direct. IV. If experience of their youthful lust and pride, and vicious folly, or unsettled dangerous state, doth tell you plainly, that your child or apprentice is unfit for travel, venture them not upon it, either for the carnal ornaments of education, or for your worldly gain. For souls that cost the blood of Christ, are more precious than to be sold at so low a rate; and especially by those parents and masters that are doubly obliged to love them, and to guide them in the way to heaven, and must be answerable for them.
Direct. V. Choose those countries for your children to travel in, which are soundest in doctrine and of best example, and where they may get more good than hurt; and venture them not needlessly into the places and company of greatest danger; especially among the Jesuits and friars, or subtle heretics, or enemies of Christ.
Direct. VI. Study before you go, what particular temptations you are like to meet with, and study well for particular preservatives against them all: as you will not go into a place infected with the plague, without an antidote. It is no small task, to get a mind prepared for travel.
Direct. VII. Carry with you such books as are fittest for your use, both for preservation and edification: as to preserve you from popery, Drelincourt's and Mr. Pool's small Manual: for which use my "Key for Catholics," and "Safe Religion," and "Sheet against Popery" may not be useless. And Dr. Challoner's "Credo Ecclesiam Catholicam" is short and very strong. To preserve you against infidelity, "Vander Meulin," in Latin, and Grotius; and in English my "Reasons of the Christian Religion" may not be unfit. For your practice, the Bible and the "Practice of Piety," and Mr. Scudder's "Daily Walk," and Mr. Reyner's "Directions," and Dr. Ames's "Cases of Conscience."
Direct. VIII. Get acquaintance with the most able reformed divines, in the places where you travel; and make use of their frequent converse, for your edification and defence. For it is the wisest and best men in all countries where you come, that must be profitable to you, if any.
Direct. IX. Set yourselves in a way of regular study if you are travellers, as if you were at home, and on a course of regular employment if you are tradesmen, and make not mere wandering and gazing upon novelties your trade and business; but redeem your time as laboriously as you would do in the most settled life. For time is precious, wherever you be; and it must be diligence every where that must cause your proficiency; for place and company will not do it without your labour. It is not a university that will make a sluggish person wise, nor a foreign land that will furnish a sensual sot with wisdom: Cœlum non animum mutant qui trans mare currunt. There is more ado necessary to make you wise, or bring you to heaven, than to go long journeys, or see many people.
Direct. X. Avoid temptations: if you acquaint yourselves with the humours, and sinful opinions, and fashions of the time and places where you are, let it be but as the Lacedemonians called out their children to see a drunkard, to hate the sin; therefore see them, but taste them not, as you would do by poison or loathsome things. Once or twice seeing a folly and sin is enough. If you do it frequently, custom will abate your detestation, and do much to reconcile you to it.
Direct. XI. Set yourselves to do all the good you can to the miserable people in the places where you come. Furnish yourselves with the aforesaid books and arguments, not only to preserve yourselves, but also to convince poor infidels and papists. And pity their souls, as those that believe that there is indeed a life to come, where happiness and misery will show the difference between the godly and the wicked. Especially merchants and factors, who live constantly among the poor ignorant christians, Armenians, Greeks, papists, who will hear them; and among heathens (in Indostan and elsewhere) and Mahometans (especially the Persians, who allow a liberty of discourse). But above all, the chaplains of the several embassies and factories. Oh what an opportunity have they to sow the seeds of christianity among the heathen nations! and to make known Christ to the infidel people where they come! And how heavy a guilt will lie on them that shall neglect it! And how will the great industry of the Jesuits rise up in judgment against them and condemn them!
Direct. XII. The more you are deprived of the benefit of God's public worship, the more industrious must you be, in reading Scripture and good books, and in secret prayer and meditation, and in the improvement of any one godly friend that doth accompany you to make up your loss, and to be instead of public means. It will be a great comfort among infidels, or papists, or ignorant Greeks, or profane people, to read sound, and holy, and spiritual books, and to confer with some one godly friend, and to meditate on the sweet and glorious subjects, which from earth and heaven are set before us; and to solace ourselves in the praises of God, and to pour out our suits before him.
Direct. XIII. And that your work may be well done, be sure that you have right ends; and that it be not to please a ranging fancy, nor a proud, vain mind, nor a covetous desire of being rich or high, that you go abroad; but that you do it purposely and principally to serve God abroad, and to be able to serve him the better when you come home, with your wit, and experience, and estates. If sincerely you go for this end, and not for the love of money, you may expect the greater comfort.[164]
Direct. XIV. Stay abroad no longer than your lawful ends and work do require: and when you come home, let it be seen that you have seen sin that you might hate it; and that by the observation of the errors and evils of the world, you love sound doctrine, spiritual worship, and holy, sober, and righteous living, better than you did before; and that you are the better resolved and furnished for a godly, exemplary, fruitful life.
One thing more I will warn some parents of, who send their sons to travel, to keep them from untimely marrying, lest they have part of their estate too soon: that there are other means better than this, which prudence may find out: if they would keep them low, from fulness and idleness, and bad company, (which a wise, self-denying, diligent man may do, but another cannot,) and engage them to as much study and business (conjunct) as they can well perform, and when they must needs marry, let it be done with prudent, careful choice; and learn themselves to live somewhat lower, that they may spare that which their son must have: this course would be better than that hazardous one in question.