“Creditors have better memories than debtors. ”

— Benjamin Franklin

Last update June 3, 2021. History

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Benjamin Franklin 183

American author, printer, political theorist, politician, p… 1706–1790

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“Let us live in as small a circle as we will, we are either debtors or creditors before we have had time to look round.”

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“Ah, fortune and fame shall follow me…and I shall dwell in the world of the chosen for a few moments of fleeting ecstasy; ere the seven burly lads turn into creditors and hustle me off to debtors' prison at last.”

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“.. personal credit was guaranteed in the most summary and extravagant fashion; for the law entitled the creditor to treat his insolvent debtor like a thief, and granted to him in sober earnest by legislative enactment what Shylock, half in jest, stipulated for from his mortal enemy, guarding indeed by special clauses the point as to cutting off too much more carefully than did the Jew.”

Theodor Mommsen (1817–1903) German classical scholar, historian, jurist, journalist, politician, archaeologist and writer

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“Never allow your memories to be better than your dreams.”

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“The messages of the prophets are essentially indictments of Israel for breach of covenant. They preserved some memory of the old traditions, but were not so naive as to think that the literal demands of the old law would be adequate in their own times. There is no condemnation of the stratification of society as such, rather a condemnation of the injustice and extortion which was done by the powerful. To take a specific example, the old law knew as security for a loan only the pledge (Exod. 22:26). In a simple economy, loans were evidently of an amount which would usually be adequately secured by giving to the creditor some property to hold until the loan was repaid. In case of default, the debtor's property simply reverted to the creditor. No other form of security is presupposed in the Covenant Code, and it is specifically forbidden that an Israelite be a "creditor" to one of his fellows. Already in the reign of Saul the situation had changed, Those who gathered about David as outlaws included those who had "creditors" (I Sam. 22:2), and who therefore had to flee. Under the old pledge system of security there would be no possible occasion for flight from the community in case of default. A totally different legal doctrine had come into practice whereby the person of the debtor was security for a loan. Upon default the creditor could seize him (or his family) as a slave, possibly without any legal action at all. The only alternative to slavery would have been flight. This doctrine is identical to that of Babylonian law, and no doubt of the Canaanites as well. It is in the law of the monarchy that Canaanite influence is doubtless to be posited, but it is a legal tradition in total contradiction to the customs and morality of early Israel. Amos protested violently against the way the legal doctrine was practiced, as did most of the prophets (Am. 2:6; Hos. 12:8-9; Mic. 2:1-2). The later lawcodes illustrate beautifully the way in which the early traditions, and the needs of business were brought into harmony. The older pledge system was simply inadequate for a commercial economy; and if the person of the debtor was to be protected, so also must the rights of the creditor to some security for his loan to be guaranteed. Therefore, Deuteronomy and the Holiness Code (Lv. 17-26) accept the doctrine of bodily liability, but place restrictions upon the powers of the creditor over the defaulting debtor. In the Holiness Code he is not to be treated as a slave, nor given the legal status of a slave, but rather to be as a hired laborer.”

George E. Mendenhall (1916–2016) American academic

Law and Convenant in Israel and the Ancient Near East (1954)

“A heart-memory is better than a mere head-memory. Better to carry away a little of the love of Christ in our souls, than if we were able to repeat every word of every sermon we ever heard.”

Francis de Sales (1567–1622) French bishop, saint, writer and Doctor of the Church j

Reported in Josiah Hotchkiss Gilbert, Dictionary of Burning Words of Brilliant Writers (1895), p. 373.

“The poor man who takes property by force is called a thief, but the creditor who can by legislation make a debtor pay a dollar twice as large as he borrowed is lauded as the friend of a sound currency. The man who wants the people to destroy the Government is an anarchist, but the man who wants the Government to destroy the people is a patriot.”

William Jennings Bryan (1860–1925) United States Secretary of State

Principal Speech Against Unconditional Repeal (16 August 1893)

“Creditors have better memories than debtors. ”

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Benjamin Franklin 183

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