Before turning to another phase of this ancient civilization I cannot forbear to relate, after the learned and ingenious Gunkux, the only known instance of a public irony expressing itself in the sculptor’s noble art. In the ancient city of Hohokus once stood a monument of colossal size and impressive dignity. It was erected by public subscription to the memory of a man whose only distinction consisted in a single term of service as a juror in a famous murder trial, the details of which have not come down to us. This occupied the court and held public attention for many weeks, being bitterly contested by both prosecution and defense. When at last it was given to the jury by the judge in the most celebrated charge that had ever been delivered from the bench, a ballot was taken at once. The jury stood eleven for acquittal to one for conviction. And so it stood at every ballot of the more than fifty that were taken during the fortnight that the jury was locked up for deliberation. Moreover, the dissenting juror would not argue the matter; he would listen with patient attention while his eleven indignant opponents thundered their opinions into his ears, even when they supported them with threats of personal violence; but not a word would he say. At last a disagreement was formally entered, the jury discharged and the obstinate juror chased from the city by the maddened populace. Despairing of success in another trial and privately admitting his belief in the prisoner’s innocence, the public prosecutor moved for his release, which the judge ordered with remarks plainly implying his own belief that the wrong man had been tried.
Years afterward the accused person died confessing his guilt, and a little later one of the jurors who had been sworn to try the case admitted that he had attended the trial on the first day only, having been personated during the rest of the proceedings by a twin brother, the obstinate member, who was a deaf-mute.
The monument to this eminent public servant was overthrown and destroyed by an earthquake in the year 2342.
One of the causes of that popular discontent which brought about the stupendous events resulting in the disruption of the great republic, historians and archæologists are agreed in reckoning “insurance.” Of the exact nature of that factor in the problem of the national life of that distant day we are imperfectly informed; many of its details have perished from the record, yet its outlines loom large through the mist of ages and can be traced with greater precision than is possible in many more important matters.
In the monumental work of Professor Golunk-Dorsto (“Some Account of the Insurance Delusion in Ancient America”) we have its most considerable modern exposition; and Gakler’s well-known volume, “The Follies of Antiquity,” contains much interesting matter relating to it. From these and other sources the student of human unreason can reconstruct that astounding fallacy of insurance as, from three joints of its tail, the great naturalist Bogramus restored the ancient elephant, from hoof to horn.
The game of insurance, as practiced by the ancient Americans (and, as Gakler conjectures, by some of the tribesmen of Europe), was gambling, pure and simple, despite the sentimental character that its proponents sought to impress upon some forms of it for the greater prosperity of their dealings with its dupes. Essentially, it was a bet between the insurer and the insured. The number of ways in which the wager was made—all devised by the insurer—was almost infinite, but in none of them was there a departure from the intrinsic nature of the transaction as seen in its simplest, frankest form, which we shall here expound.
To those unlearned in the economical institutions of antiquity it is necessary to explain that in ancient America, long prior to the disastrous Japanese war, individual ownership of property was unrestricted; every person was permitted to get as much as he was able, and to hold it as his own without regard to his needs, or whether he made any good use of it or not. By some plan of distribution not now understood even the habitable surface of the earth, with the minerals beneath, was parceled out among the favored few, and there was really no place except at sea where children of the others could lawfully be born. Upon a part of the dry land that he had been able to acquire, or had leased from another for the purpose, a man would build a house worth, say, ten thousand drusoes. (The ancient unit of value was the “dollar,” but nothing is now known as to its actual worth.) Long before the building was complete the owner was beset by “touts” and “cappers” of the insurance game, who poured into his ears the most ingenious expositions of the advantages of betting that it would burn down—for with incredible fatuity the people of that time continued, generation after generation, to build inflammable habitations. The persons whom the capper represented—they called themselves an “insurance company”—stood ready to accept the bet, a fact which seems to have generated no suspicion in the mind of the house-owner. Theoretically, of course, if the house did burn payment of the wager would partly or wholly recoup the winner of the bet for the loss of his house, but in fact the result of the transaction was commonly very different. For the privilege of betting that his property would be destroyed by fire the owner had to pay to the gentleman betting that it would not be, a certain percentage of its value every year, called a “premium.” The amount of this was determined by the company, which employed statisticians and actuaries to fix it at such a sum that, according to the law of probabilities, long before the house was “due to burn,” the company would have received more than the value of it in premiums. In other words, the owner of the house would himself supply the money to pay his bet, and a good deal more.
But how, it may be asked, could the company’s actuary know that the man’s house would last until he had paid in more than its insured value in premiums—more, that is to say, than the company would have to pay back? He could not, but from his statistics he could know how many houses in ten thousand of that kind burned in their first year, how many in their second, their third, and so on. That was all that he needed to know, the house-owners knowing nothing about it. He fixed his rates according to the facts, and the occasional loss of a bet in an individual instance did not affect the certainty of a general winning. Like other professional gamblers, the company expected to lose sometimes, yet knew that in the long run it must win; which meant that in any special case it would probably win. With a thousand gambling games open to him in which the chances were equal, the infatuated dupe chose to “sit into” one where they were against him! Deceived by the cappers’ fairy tales, dazed by the complex and incomprehensible “calculations” put forth for his undoing, and having ever in the ear of his imagination the crackle and roar of the impoverishing flames, he grasped at the hope of beating—in an unwelcome way, it is true—“the man that kept the table.” He must have known for a certainty that if the company could afford to insure him he could not afford to let it. He must have known that the whole body of the insured paid to the insurers more than the insurers paid to them; otherwise the business could not have been conducted. This they cheerfully admitted; indeed, they proudly affirmed it. In fact, insurance companies were the only professional gamblers that had the incredible hardihood to parade their enormous winnings as an inducement to play against their game. These winnings (“assets,” they called them) proved their ability, they said, to pay when they lost; and that was indubitably true. What they did not prove, unfortunately, was the will to pay, which from the imperfect court records of the period that have come down to us, appears frequently to have been lacking. Gakler relates that in the instance of the city of San Francisco (somewhat doubtfully identified by Macronus as the modern fishing-village of Gharoo) the disinclination of the insurance companies to pay their bets had the most momentous consequences.
In the year 1906 San Francisco was totally destroyed by fire. The conflagration was caused by the friction of a pig scratching itself against an angle of a wooden building. More than one hundred thousand persons perished, and the loss of property is estimated by Kobo-Dogarque at one and a half million drusoes. On more than two-thirds of this enormous sum the insurance companies had laid bets, and the greater part of it they refused to pay. In ju
stification they pointed out that the deed performed by the pig was “an act of God,” who in the analogous instance of the express companies had been specifically forbidden to take any action affecting the interests of parties to a contract, or the result of an agreed undertaking.
In the ensuing litigation their attorneys cited two notable precedents. A few years before the San Francisco disaster, another American city had experienced a similar one through the upsetting of a lamp by the kick of a cow. In that case, also, the insurance companies had successfully denied their liability on the ground that the cow, manifestly incited by some supernatural power, had unlawfully influenced the result of a wager to which she was not a party. The companies defendant had contended that the recourse of the property-owners was against, not them, but the owner of the cow. In his decision sustaining that view and dismissing the case, a learned judge (afterward president of one of the defendant companies) had in the legal phraseology of the period pronounced the action of the cow an obvious and flagrant instance of unwarrantable intervention. Kobo-Dogarque believes that this decision was afterward reversed by an appellate court of contrary political complexion and the companies were compelled to compromise, but of this there is no record. It is certain that in the San Francisco case the precedent was urged.
Another precedent which the companies cited with particular emphasis related to an unfortunate occurrence at a famous millionaires’ club in London, the capital of the renowned king, John Bui. A gentleman passing in the street fell in a fit and was carried into the club in convulsions. Two members promptly made a bet upon his life. A physician who chanced to be present set to work upon the patient, when one of the members who had laid the wager came forward and restrained him, saying: “Sir, I beg that you will attend to your own business. I have my money on that fit.”
Doubtless these two notable precedents did not constitute the entire case of the defendants in the San 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 archæological 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 kaltabs a grillog. Notwithstanding this slow movement of the vehicles, the number and fatality of accidents were incredible. In the Zopetroq Museum of Archæology is preserved an official report (found in the excavations made by Droyhors on the supposed site of Washington) of a Government Commission of the Connected States. From that document we learn that in the year 1907 of their era the railroads of the country killed 5,000 persons and wounded 72,286—a mortality which is said by the commissioners to be twice that of the battle of Gettysburg, concerning which we know nothing but the name. This was about the annual average of railroad casualties of the period, and if it provoked comment it at least led to no reform, for at a later period we find the mortality even greater. That it was preventable is shown by the fact that in the same year the railroads of Great Britain, where the speed was greater and the intervals between vehicles less, killed only one passenger. It was a difference of government: Great Britain had a government that governed; America had not. Happily for humanity, the kind of government that does not govern, self-government, “government of the people, by the people and for the people” (to use a meaningless paradox of that time) has perished from the face of the earth.
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 alw
ays 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.
The Collected Works of Ambrose Bierce, Volume 1 Page 3
