the querist-第14章
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whether a cunning tradesman doth not stand in his own light？
62 Whether； consequently； the fine gentlemen； whose employment is
only to dress； drink； and play； be not a pubic nuisance？
73 Whether those specimens of our own manufacture； hung up in a
certain public place； do not sufficiently declare such our
ignorance？ and whether for the honour of the nation they ought
not to be removed？
201 Whether any nation ever was in greater want of such an
expedient than Ireland？
209 Whether the public may not as well save the interest which it
now pays？
210 What would happen if two of our banks should break at once？
And whether it be wise to neglect providing against an event
which experience hath shewn us not to be impossible？
211 Whether such an accident would not particularly affect the
bankers？ And therefore whether a national bank would not be a
security even to private bankers？
212 Whether we may not easily avoid the inconveniencies attending
the paper…money of New England； which were incurred by their
issuing too great a quantity of notes； by their having no silver
in bank to exchange for notes； by their not insisting upon
repayment of the loans at the time prefixed； and especially by
their want of manufactures to answer their imports from Europe？
213 Whether a combination of bankers might not do wonders； and
whether bankers know their own strength？
214 Whether a bank in private hands might not even overturn a
government？ and whether this was not the case of the Bank of St。
George in Genoa？
215 Whether we may not easily prevent the ill effects of such a
bank as Mr Law proposed for Scotland； which was faulty in not
limiting the quantum of bills； and permitting all persons to take
out what bills they pleased； upon the mortgage of lands； whence
by a glut of paper； the prices of things must rise？ Whence also
the fortunes of men must increase in denomination； though not in
value； whence pride； idleness； and beggary？
216 Whether such banks as those of England and Scotland might not
be attended with great inconveniences； as lodging too much power
in the hands of private men； and giving handle for monopolies；
stock…jobbing； and destructive schemes？
217 Whether the national bank； projected by an anonymous writer
in the latter end of Queen Anne's reign； might not on the other
hand be attended with as great inconveniencies by lodging too
much power in the Government？
218 Whether the bank projected by Murray； though it partake； in
many useful particulars； with that of Amsterdam； yet； as it
placeth too great power in the hands of a private society； might
not be dangerous to the public？
221 Whether those effects could have happened had there been no
stock…jobbing？ And whether stock…jobbing could at first have been
set on foot； without an imaginary foundation of some improvement
to the stock by trade？ Whether； therefore； when there are no such
prospects； or cheats； or private schemes proposed； the same
effects can be justly feared？
222 Whether by a national bank； be not properly understood a
bank； not only established by public authority as the Bank of
England； but a bank in the hands of the public； wherein there are
no shares： whereof the public alone is proprietor； and reaps all
the benefit？
223 Whether； having considered the conveniencies of banking and
paper…credit in some countries； and the inconveniencies thereof
in others； we may not contrive to adopt the former； and avoid the
latter？
224 Whether great evils； to which other schemes are liable； may
not be prevented； by excluding the managers of the bank from a
share in the legislature？
226 Whether the bank proposed to be established in Ireland； under
the notion of a national bank； by the voluntary subscription of
three hundred thousand pounds； to pay off the national debt； the
interest of which sum to be paid the subscribers； subject to
certain terms of redemption； be not in reality a private bank； as
those of England and Scotland； which are national only in name；
being in the hands of particular persons； and making dividends on
the money paid in by subscribers？
228 Whether it is not worth while to reflect on the expedients
made use of by other nations； paper…money； bank…notes； public
funds； and credit in all its shapes； to examine what hath been
done and devised to add to our own animadversions； and upon the
whole offer such hints as seem not unworthy the attention of the
public？
230 Whether it may not be expedient to appoint certain funds or
stock for a national bank； under direction of certain persons；
one…third whereof to be named by the Government； and one…third by
each House of Parliament？
231 Whether the directors should not be excluded from sitting in
either House； and whether they should not be subject to the audit
and visitation of a standing committee of both Houses？
232 Whether such committee of inspectors should not be changed
every two years； one…half going out； and another coming in by
ballot？
233 Whether the notes ought not to be issued in lots； to be let
at interest on mortgaged lands； the whole number of lots to be
divided among the four provinces； rateably to the number of
hearths in each？
234 Whether it may not be expedient to appoint four
counting…houses； one in each province； for converting notes into
specie？
235 Whether a limit should not be fixed； which no person might
exceed； in taking out notes？
236 Whether； the better to answer domestic circulation； it may
not be right to issue notes as low as twenty shillings？
237 Whether all the bills should be issued at once； or rather by
degrees； that so men may be gradually accustomed and reconciled
to the bank？
238 Whether the keeping of the cash； and the direction of the
bank； ought not to be in different hands； and both under public
control？
239 Whether the same rule should not alway be observed； of
lending out money or notes； only to half the value of the
mortgaged land？ and whether this value should not alway be rated
at the same number of years' purchase as at first？
240 Whether care should not be taken to prevent an undue rise of
the value of land？
241 Whether the increase of industry and people will not of
course raise the value of land？ And whether this rise may not be
sufficient？
242 Whether land may not be apt to rise on the issuing too great
plenty of notes？
243 Whether this may not be prevented by the gradual and slow
issuing of notes； and by frequent sales of lands？
244 Whether interest doth not measure the true value of land； for
instance； where money is at five per cent； whether land is not
worth twenty years' purchase？
245 Whether too small a proportion of money would not hurt the
landed man； and too great a proportion the monied man？ And
whether the quantum of notes ought not to bear proportion to the
pubic demand？ And whether trial must not shew what this demand
will be？
246 Whether the exceeding this measure might not produce divers
bad effects； one whereof would be the loss of our silver？
247 Whether interest paid into the bank ought not to go on
augmenting its stock？
248 Whether it would or would not be right to appoint that the
said interest be paid in notes only？
249 Whether the notes of this national bank should not be
received in all payments into the exchequer？
250 Whether on supposition that the specie should fail； the
credit would not； nevertheless； still pass； being admitted in all
payments of the public revenue？
251 Whether the pubic can become bankrupt so long as the notes
are issued on good security？
252 Whether mismanagement； prodigal living； hazards by trade；
which often affect private banks； are equally to be apprehended
in a pubic one？
253 Whether as credit became current； and this raised the value
of land； the security must not of course rise？
255 Whether by degrees； as business and people multiplied； more
bills may not be issued； without augmenting the capital stock；
provided still； that they are issued on good security； which
further issuing of new bills； not to be without consent of
Parliament？
256 Whether such bank would not be secure？ Whether the profits
