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第14章

-- There can be no doubt that, on the whole, the wise householders outnumber the spendthrifts. Certainly there is no one entirely without economical sin; no one who has never consumed too soon some thing which he afterwards bitterly desired and had not. But, on the whole, it is an economic principle which is as well obeyed as any of the fundamental economic principles, that wealth and income should be economised with a view to the future and to old age. Every supply of goods should, so far as possible, be distributed over the wants of the period of time which it is intended to cover, in such a way that, whether the time at which they occur be earlier or later, all the more important sensations may be satisfied, and only the less important -- those which it is impossible for the supply to cover -- be left out. The exceptions to this rule are so few in number, that a theoretical inquiry which regards the principle as invariable, and asks as to its further effects will help to explain our economy, not only as it ought to be, but also as it actually is.

To avoid misunderstanding I shall try to explain my meaning more exactly. I have no wish to deny that, in general, the futurity of an event has the effect of weakening its impression.

As a rule this is also true in economics. It seems to me, however, that, in a civilised state, every good householder, and, in the main, every average one, has learnt to master this weakness of human nature in one respect; -- so far, namely, as to distribute a regularly-acquired income among regularly-expected wants, and, in connection with this again, so far as to try to acquire a regular income, and secure the conditions thereof by exercise of labour power, and maintenance of the parent stock of wealth. The call for forethought in this latter connection is peculiarly strong, and it should not excite wonder that it is more active here than in any other direction.

Moreover a well-regulated and prosperous economic condition does not in the least demand that every future sensation be fully realised in the present. Only those require to be considered which have to be provided for, and those again only in so far as they require to be provided for. First in importance are all those wants which must be covered by the present supply of consumption goods, and by the income available at the moment, and which consequently, in economic management, come into conflict with present desires. Alongside of these we may put the far more numerous wants which have to be covered by suitable employment of the present parent wealth. Our conception of both groups of wants, but particularly of the latter, takes a peculiarly simplified form, which easily gives the impression that they are entirely shoved into the background. They are conceived of in the mass, and grouped together in periods of time; and we are generally conscious of them only in so far as they are represented by the goods which are devoted to their satisfaction.

Foresight for the wants of a remote future and of later generations, for instance, is seen in the precept which forbids diminishing of the parent stock of wealth, even although this precept only refers to the goods which form the wealth, while the wants themselves appear to retreat more and more into a darkness which the imagination does not seek and need not seek to illuminate.(1*)NOTES:

1. Many economists would explain interest, particularly the interest on productive capital, by the difference in value between present and future feelings. This seems to me an error.

Interest derived from productive capital is a phenomenon of the very best ordered economic transactions, of those managed with the highest possible degree of foresight. It is not in the least a sign of a defective economy. See, however, Book IV.

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