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only not that, because the possession of some small hoard of money,
savings during a period of wage earning, an insurance policy or
suchlike capital, prevents a direct appeal to the rates. But they are
doing little or nothing for the community in return for what they
consume; they have no understanding of any relation of service to the
community, they have never been trained nor their imaginations touched
to any social purpose. A great proportion of small shopkeepers, for
example, are people who have, through the inefficiency that comes from
inadequate training and sheer aimlessness, or improvements in
machinery or the drift of trade, been thrown out of employment, and
who set up in needless shops as a method of eking out the savings upon
which they count. They contrive to make sixty or seventy per cent, of
their expenditure, the rest is drawn from the shrinking capital.
Essentially their lives are failures, not the sharp and tragic failure
of the labourer who gets out of work and starves, but a slow, chronic
process of consecutive small losses which may end if the individual is
exceptionally fortunate in an impoverished death bed before actual
bankruptcy or destitution supervenes. Their chances of ascendant means
are less in their shops than in any lottery that was ever planned. The
secular development of transit and communications has made the
organisation of distributing businesses upon large and economical
lines, inevitable; except in the chaotic confusions of newly opened
countries, the day when a man might earn an independent living by
unskilled or practically unskilled retailing has gone for ever. Yet
every year sees the melancholy procession towards petty bankruptcy and
imprisonment for debt go on, and there is no statesmanship in us to
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