Francisco insurance litigation, but the additional pleas are lost to us.
Of the many forms of gambling known as insurance that called life insurance appears to have been the most vicious. In essence it was the same as fire insurance, marine insurance, accident insurance and so forth, with an added offensiveness in that it was a betting on human lives—commonly by the policy-holder on lives that should have been held most sacred and altogether immune from the taint of traffic. In point of practical operation this ghastly business was characterized by a more fierce and flagrant dishonesty than any of its kindred pursuits. To such lengths of robbery did the managers go that at last the patience of the public was exhausted and a comparatively trivial occurrence fired the combustible elements of popular indignation to a white heat in which the entire insurance business of the country was burned out of existence, together with all the gamblers who had invented and conducted it. The president of one of the companies was walking one morning in a street of New York, when he had the bad luck to step on the tail of a dog and was bitten in retaliation. Frenzied by the pain of the wound, he gave the creature a savage kick and it ran howling toward a group of idlers in front of a grocery store. In ancient America the dog was a sacred animal, worshiped by all sorts and conditions of tribesmen. The idlers at once raised a great cry, and setting upon the offender beat him so that he died.
Their act was infectious: men, women and children trooped out of their dwellings by thousands to join them, brandishing whatever weapons they could snatch, and uttering wild cries of vengeance. This formidable mob overpowered the police, and marching from one insurance office to another, successively demolished them all, slew such officers as they could lay hands on, and chased the fugitive survivors into the sea, “where,” says a quaint chronicle of the time, “they were eaten by their kindred, the sharks.” This carnival of violence continued all the day, and at set of sun not one person connected with any form of insurance remained alive.
Ferocious and bloody as was the massacre, it was only the beginning. As the news of it went blazing and coruscating along the wires by which intelligence was then conveyed across the country, city after city caught the contagion. Everywhere, even in the small hamlets and the agricultural districts, the dupes rose against their dupers. The smoldering resentment of years burst into flame, and within a week all that was left of insurance in America was the record of a monstrous and cruel delusion written in the blood of its promoters.
A remarkable feature of the crude and primitive civilization of the Americans was their religion. This was polytheistic, as is that of all backward peoples, and among their minor deities were their own women. This has been disputed by respectable authorities, among them Gunkux and the younger Kekler, but the weight of arch?ological testimony is against them, for, as Sagab-Joffy ingeniously points out, none of less than divine rank would by even the lowest tribes be given unrestricted license to kill. Among the Americans woman, as already pointed out, indubitably had that freedom, and exercised it with terrible effect, a fact which makes the matter of their religion pertinent to the purpose of this monograph. If ever an American woman was punished by law for murder of a man no record of the fact is found; whereas, such American literature as we possess is full of the most enthusiastic adulation of the impossible virtues and imaginary graces of the human female. One writer even goes to the length of affirming that respect for the sex is the foundation of political stability, the cornerstone of civil and religious liberty! After the break-up of the republic and the savage intertribal wars that followed, Gyneolatry was an exhausted cult and woman was relegated to her old state of benign subjection.
Unfortunately, we know little of the means of travel in ancient America, other than the names. It seems to have been done mainly by what were called “railroads,” upon which wealthy associations of men transported their fellow-citizens in some kind of vehicle at a low speed, seldom exceeding fifty or sixty miles an hour, as distance and time were then reckoned—about equal to seven
An inherent weakness in republican government was that it assumed the honesty and intelligence of the majority, “the masses,” who were neither honest nor intelligent. It would doubtless have been an excellent government for a people so good and wise as to need none. In a country having such a system the leaders, the politicians, must necessarily all be demagogues, for they can attain to place and power by no other method than flattery of the people and subserviency to the will of the majority. In all the ancient American political literature we look in vain for a single utterance of truth and reason regarding these matters. In none of it is a hint that the multitude was ignorant and vicious, as we know it to have been, and as it must necessarily be in any country, to whatever high average of intelligence and morality the people attain; for “intelligence” and “morality” are comparative terms, the standard of comparison being the intelligence and morality of the wisest and best, who must always be the few. Whatever general advance is made, those not at the head are behind—are ignorant and immoral according to the new standard, and unfit to control in the higher and broader policies demanded by the progress made. Where there is true and general progress the philosopher of yesterday would be the ignoramus of to-day, the honorable of one generation the vicious of another. The peasant of our time is incomparably superior to the statesman of ancient America, yet he is unfit to govern, for there are others more fit.
That a body of men can be wiser than its wisest member seems to the modern understanding so obvious and puerile an error that it is inconceivable that any people, even the most primitive, could ever have entertained it; yet we know that in America it was a fixed and steadfast political faith. The people of that day did not, apparently, attempt to explain how the additional wisdom was acquired by merely assembling in council, as in their “legislatures”; they seem to have assumed that it was so, and to have based their entire governmental system upon that assumption, with never a suspicion of its fallacy. It is like assuming that a mountain range is higher than its highest peak. In the words of Golpek, “The early Americans believed that units of intelligence were addable quantities,” or as Soseby more wittily puts it, “They thought that in a combination of idiocies they had the secret of sanity.”
The Americans, as has been said, never learned that even among themselves majorities ruled, not because they ought, but because they could—not because they were wise, but because they were strong. The count of noses determined, not the better policy, but the more powerful party. The weaker submitted, as a rule, for it had to or risk a war in which it would be at a disadvantage. Yet in all the early years of the republic they seem honestly to have dignified their submission as “respect for the popular verdict.” They even quoted from the Latin language the sentiment that “the voice of the people is the voice of God.” And this hideous blasphemy was as glib upon the lips of those who, without change of mind, were defeated at the polls year after year as upon those of the victors.
Of course, their government was powerless to restrain any aggression or encroachment upon the general welfare as soon as a considerable body of voters had banded together to undertake it. A notable instance has been recorded by Bamscot in his great work, “Some Evil Civilizations.” After the first of America’s great intestinal wars the surviving victors formed themselves into an organization which seems at first to have been purely social and benevolent, but afterward fell into the hands of rapacious politicians who in order to preserve their power corrupted their followers by distributing among them enormous sums of money exacted from the government by threats of overturning it. In less than a half century after the war in which they had served, so great was the fear which they inspired in whatever party controlled the national treasury that the total sum of their exactions was no less annually than seventeen million
