Excerpt
To lend, or not to lend—is that the question?
"Those who go a-borrowing, go a-sorrowing," saith the old adage; and a wiser saw never came out of the mouth of experience. I have tested the truth of this proverb since my settlement in Canada, many, many times, to my cost; and what emigrant has not? So averse have I ever been to this practice, that I would at all times rather quietly submit to a temporary inconvenience than obtain anything I wanted in this manner. I verily believe that a demon of mischief presides over borrowed goods, and takes a wicked pleasure in playing off a thousand malicious pranks upon you the moment he enters your dwelling. Plates and dishes, that had been the pride and ornament of their own cupboard for years, no sooner enter upon foreign service than they are broken; wine-glasses and tumblers, that have been handled by a hundred careless wenches in safety, scarcely pass into the hands of your servants when they are sure to tumble upon the floor, and the accident turns out a compound fracture. If you borrow a garment of any kind, be sure that you will tear it; a watch, that you will break it; a jewel, that you will lose it; a book, that it will be stolen from you. There is no end to the trouble and vexation arising out of this evil habit. If you borrow a horse, and he has the reputation of being the best-behaved animal in the district, you no sooner become responsible for his conduct than he loses his character. The moment that you attempt to drive him, he shows that he has a will of his own, by taking the reins into his own management, and running away in a contrary direction to the road that you wished him to travel. He never gives over his eccentric capers until he has broken his own knees, and the borrowed carriage and harness. So anxious are you about his safety, that you have not a moment to bestow upon your own. And why?—the beast is borrowed, and you are expected to return him in as good condition as he came to you.
But of all evils, to borrow money is perhaps the worst. If of a friend, he ceases to be one the moment you feel that you are bound to him by the heavy clog of obligation. If of a usurer, the interest, in this country, soon doubles the original sum, and you owe an increasing debt, which in time swallows up all you possess.
When we first came to the colony, nothing surprised me more than the extent to which this pernicious custom was carried, both by the native Canadians, the European settlers, and the lower order of Americans. Many of the latter had spied out the goodness of the land, and BORROWED various portions of it, without so much as asking leave of the absentee owners. Unfortunately, our new home was surrounded by these odious squatters, whom we found as ignorant as savages, without their courtesy and kindness.
The place we first occupied was purchased of Mr. B—-, a merchant, who took it in payment of sundry large debts which the owner, a New England loyalist, had been unable to settle. Old Joe R—-, the present occupant, had promised to quit it with his family, at the commencement of sleighing; and as the bargain was concluded in the month of September, and we were anxious to plough for fall wheat, it was necessary to be upon the spot....