Credit in these parts has passed into a superstition. I have seen
a strong, violent man struggling for months to recover a debt, and
getting nothing but an exchange of waste paper. The very
storekeepers are averse to asking for cash payments, and are more
surprised than pleased when they are offered. They fear there must
be something under it, and that you mean to withdraw your custom
from them. I have seen the enterprising chemist and stationer
begging me with fervour to let my account run on, although I had my
purse open in my hand; and partly from the commonness of the case,
partly from some remains of that generous old Mexican tradition
which made all men welcome to their tables, a person may be
notoriously both unwilling and unable to pay, and still find credit
for the necessaries of life in the stores of Monterey. Now this
villainous habit of living upon "tick" has grown into Californian
nature. I do not mean that the American and European storekeepers
of Monterey are as lax as Mexicans; I mean that American farmers in
many parts of the State expect unlimited credit, and profit by it
in the meanwhile, without a thought for consequences. Jew
storekeepers have already learned the advantage to be gained from
this; they lead on the farmer into irretrievable indebtedness, and
keep him ever after as their bond-slave hopelessly grinding in the
mill. So the whirligig of time brings in its revenges, and except
that the Jew knows better than to foreclose, you may see Americans
bound in the same chains with which they themselves had formerly
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