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On my return to the drawing-room, I found the ladies were just putting away their work and preparing to go out. I asked them where they were going. They answered with a certain air of reserve that they were going to the bank to get some money.

Now I had already collected that the mercantile affairs of the Erewhonians were conducted on a totally different system from our own; I had however gathered little hitherto, except that they had two distinct commercial systems, of which the one appealed more strongly to the imagination than anything to which we are accustomed in Europe, inasmuch as the banks conducted upon this system were decorated in the most profuse fashion, and all mercantile transactions were accompanied with music, so that they were called musical banks though the music was hideous to a European ear.

As for the system itself I never understood it, neither can I do so now: they have a code in connection with it, which I have no doubt they themselves understand, but no foreigner can hope to do so. One rule runs into and against another as in a most complicated grammar, or as in Chinese pronunciation, wherein I am told the slightest change in accentuation or tone of voice alters the meaning of a whole sentence. Whatever is incoherent in my description must be referred to the fact of my never having attained to a full comprehension of the subject.

So far however as I could collect anything certain, they appeared to have two entirely distinct currencies, each under the control of its own banks and mercantile codes. The one of them (the one with the musical banks) was supposed to be the system, and to give out the currency in which all monetary transactions should be carried on. As far as I could see, all who wished to be considered respectable, did keep a certain amount of this currency at these banks; nevertheless, if there is one thing of which I am more sure than another it is that the amount so kept was but a very small part of their possessions. I think they took the money, put it into the bank, and then drew it out again, repeating the process day by day, and keeping a certain amount of currency for this purpose and no other, while they paid the expenses of the bank with the other coinage. I am sure the managers and cashiers of the musical banks were not paid in their own currency. Mr. Nosnibor used to go to these musical banks, or rather to the great mother bank of the city, sometimes but not very often. He was a pillar of one of the other kind of banks, though he held some minor office also in these. The ladies generally went alone; as indeed was the case in most families, except on some few great annual occasions.

I had long wanted to know more of this strange system, and had the greatest desire to accompany my hostess and her daughters. I had seen them go out almost every morning since my arrival, and had noticed that they carried their purses in their hands, not exactly ostentatiously, yet just so as that those who met them should see whither they were going. I had never yet been asked to go with them myself.

It is not easy to convey a person’s manner by words, and I can hardly give any idea of the peculiar feeling which came upon me whenever I saw the ladies in the hall, with their purses in their hands, and on the point of starting for the bank. There was a something of regret, a something as though they would wish to take me with them, but did not like to ask me, and yet as though I were hardly to ask to be taken. I was determined however to bring matters to an issue with my hostess about my going with them, and after a little parleying and many inquiries as to whether I was perfectly sure that I myself wished to go, it was decided that I might do so.

We passed through several streets of more or less considerable houses, and at last turning round a corner we came upon a large piazza, at the end of which was a magnificent building, of a strange but noble architecture and of great antiquity. It did not open directly on to the piazza, there being a screen, through which was an archway, between the piazza and the actual precincts of the bank. On passing under the archway we found ourselves upon a green sward, round which there ran an arcade or cloister, while in front of us uprose the majestic towers of the bank and its venerable front, which was divided into three deep recesses and adorned with all sorts of marbles and many sculptures. On either side there were beautiful old trees wherein the birds were busy by the hundred, and a number of quaint but substantial houses of singularly comfortable appearance; they were situated in the midst of orchards and gardens, and gave me an impression of great peace and plenty.

Indeed it had been no error to say that this building was one which appealed to the imagination; it did more—it carried both imagination and judgment by storm. It was an epic in stone and marble; neither had I ever seen anything in the least comparable to it. I was completely charmed and melted. I felt more conscious of the existence of a remote past. One knows of this always, but the knowledge is never so living as in the actual presence of some witness to the life of bygone ages. I felt how short a space of human life was the period of our own existence. I was more impressed with my own littleness, and much more inclinable to believe that the people whose sense of the fitness of things was equal to the upraising of so serene a handiwork, were hardly likely to be wrong in the conclusions they might come to upon any subject. My feeling certainly was that the currency of this bank must be the right one.

We crossed the sward and entered the building. If the outside had been impressive the inside was even more so. It was very lofty and divided into several parts by walls which rested upon massive pillars; the windows were filled with glass, on which had been painted the principal commercial incidents of the bank for many ages. In a remote part of the building there were men and boys singing; this was the only disturbing feature, for as the gamut was still unknown, there was no music in the country which could be agreeable to a European ear. The singers seemed to have derived their inspirations from the songs of birds and the wailing of the wind, which last they tried to imitate in melancholy cadences which at times degenerated into a howl. To my thinking the noise was hideous, but it produced a great effect upon my companions, who professed themselves much moved. As soon as the singing was over the ladies requested me to stay where I was, while they went inside the place from which it had seemed to come.

During their absence certain reflections forced themselves upon me.

In the first place, it struck me as strange that the building should be so nearly empty; I was almost alone, and the few besides myself had been led by curiosity, and had no intention of doing business with the bank. But there might be more inside. I stole up to the curtain, and ventured to draw the extreme edge of it on one side. No, there was hardly any one there. I saw a large number of cashiers, all at their desks ready to pay cheques, and one or two who seemed to be the managing partners. I also saw my hostess and her daughters and two or three other ladies; also three or four old women and the boys from one of the neighbouring Colleges of Unreason; but there was no one else. This did not look as though the bank was doing a very large business; and yet I had always been told that every one in the city dealt with this establishment.

I cannot describe all that took place in these inner precincts, for a sinister-looking person in a black gown came and made unpleasant gestures at me for peeping. I happened to have in my pocket one of the musical bank pieces, which had been given me by Mrs. Nosnibor, so I tried to tip him with it; but having seen what it was, he became so angry that it was all I could do to pacify him. When he was gone I ventured to take a second look, and saw Zulora in the very act of giving a piece of paper which looked like a cheque to one of the cashiers. He did not examine it, but putting his hand into an antique coffer hard by, he pulled out a quantity of dull-looking metal pieces apparently at random, and handed them over without counting them; neither did Zulora count them, but put them into her purse and departed. It seemed a very singular proceeding, but I supposed that they knew their own business best, at any rate Zulora seemed quite satisfied, thanked him for the money, and began making towards the curtain: on this I let it drop and retreated to a reasonable distance.

Mrs. Nosnibor and her daughters soon joined me. For some few minutes we all kept silence, but at last I ventured to remark that the bank was not so busy to-day as it probably often was. On this Mrs. Nosnibor said that it was indeed melancholy to see what little heed people paid to the most precious of all institutions. I could say nothing in reply, but I have ever been of opinion that the greater part of mankind do approximately know where they get that which does them good. Mrs. Nosnibor went on to say that I must not imagine there was any want of confidence in the bank because I had seen so few people there; the heart of the country was thoroughly devoted to these establishments, and any sign of their being in danger would bring in support from the most unexpected quarters. It was only because people knew them to be so very safe, that in some cases (as she lamented to say in Mr. Nosnibor’s) they felt that their support was unnecessary. Moreover these institutions never departed from the safest and most approved banking principles. Thus they never allowed interest on deposit, a thing now frequently done by certain bubble companies, which by doing an illegitimate trade had drawn many customers away; and even the shareholders were fewer than formerly, owing to the innovations of these unscrupulous persons.

It came out by and by that the musical banks paid little or no dividend, but divided their profits by way of bonus on the original shares once in every three hundred and fifty years; and as it was now only two hundred years since there had been one of these distributions, people felt that they could not hope for another in their own time and preferred investments whereby they got some more tangible return; all which, she said, was very melancholy to think of.

Having made these last admissions, she returned to her original statement, namely, that every one in the country really supported the bank. As to the fewness of the people, and the absence of the able-bodied, she pointed out to me with some justice that this was exactly what we ought to expect. The men who were most conversant about the stability of human institutions, such as the lawyers, men of science, doctors, statesmen, painters, and the like, were just those who were most likely to be misled by their own fancied accomplishments, and to be made unduly suspicious by their licentious desire for greater present return, which was at the root of nine-tenths of the opposition, by their vanity, which would prompt them to affect superiority to the prejudices of the vulgar, and by the stings of their own conscience, which was constantly upbraiding them in the most cruel manner on account of their bodies, which were generally diseased; let a person’s intellect be never so sound, unless his body were in absolute health, he could form no judgment worth having on matters of this kind. The body was everything: it need not perhaps be such a strong body (she said this because she saw I was thinking of the old and infirm-looking folks whom I had seen in the bank), but it must be in perfect health; in this case, the less active strength it had the more free would be the working of the intellect, and therefore the sounder the conclusion. The people, then, whom I had seen at the bank were in reality the very ones whose opinions were most worth having; they declared its advantages to be incalculable, and even professed to consider the immediate return to be far larger than they were entitled to; and so she ran on, nor did she leave off till we had got back to the house.

She might say what she pleased, but her manner was not one that carried much conviction; and later on I saw signs of general indifference to these banks that were not to be mistaken. Their supporters often denied it, but the denial was generally so couched as to add another proof of its existence. In commercial panics, and in times of general distress, the people as a mass did not so much as even think of turning to these banks. A few individuals might do so, some from habit and early training, some from hope of gain, but few from a genuine belief that the money was good; the masses turned instinctively to the other currency. In a conversation with one of the musical bank managers I ventured to hint this as plainly as politeness would allow. He said that it had been more or less true till lately; but that now they had put fresh stained glass windows into all the banks in the country, and repaired the buildings, and enlarged the organs, and taken to talking nicely to the people in the streets, and to remembering the ages of their children and giving them things when they were ill, so that all would henceforth go smoothly.

“But haven’t you done anything to the money itself?” said I timidly.

To this day I do not know exactly what the bank-manager said, but it came to this in the end—that I had better not meddle with things that I did not understand.

On reviewing the whole matter, I can be certain of this much only, that the money given out at the musical banks is not the current coin of the realm. It is not the money with which the people do as a general rule buy their bread, meat, and clothing. It is like it; some coins very like it; and it is not counterfeit. It is not, take it all round, a spurious article made of base metal in imitation of the money which is in daily use; but it is a distinct coinage which, though I do not suppose it ever actually superseded the ordinary gold, silver, and copper, was probably issued by authority, and was intended to supplant those metals. Some of the pieces were really of exquisite beauty; and some were, I do verily believe, nothing but the ordinary currency, only that there was another head and name in place of that of the commonwealth. And here was one of the great marvels; for those who were most strongly in favour of this coinage maintained, and even grew more excited if they were opposed here than on any other matter, that the very self-same coin with the head of the commonwealth upon it was of little if any value, while it became exceedingly precious it stamped with the other image.

Some of the coins were plainly bad; of these last there were not many; still there were enough for them to be not uncommon. These were entirely composed of alloy; they would bend easily, would melt away to nothing with a little heat, and were quite unsuited for a currency. Yet there were few of the wealthier classes who did not maintain that even these coins were genuine good money, though they were chary of taking them. Every one knew this, so they were seldom offered; but all thought it incumbent upon them to retain a good many in their possession, and to let them be seen from time to time in their hands and purses. Of course people knew their real value exceedingly well; but few, if any, dared to say what that value was; or if they did, it would be only in certain companies or in writing in the newspapers anonymously. Strange! there was hardly any insinuation against this coinage which they would not tolerate and even applaud in their daily papers; and yet, if the same thing were said without ambiguity to their faces—nominative case verb and accusative being all in their right places, and doubt impossible—they would consider themselves very seriously and justly outraged, and accuse the speaker of being unwell.

I never could understand, neither can I do so now, why a single currency should not suffice them; it would seem to me as though all their dealings would have been thus greatly simplified; but I was met with a look of horror if ever I dared to hint at it. Even those who to my certain knowledge kept only just enough money at the musical banks to swear by, would call the other banks (where their securities really lay) cold, deadening, paralysing, and the like. I noticed another thing moreover which struck me greatly. I was taken to the opening of one of these banks in a neighbouring town, and saw a large assemblage of cashiers and managers. I sat opposite them and scanned their faces attentively. They did not please me; they lacked, with a few exceptions, the true Erewhonian frankness; and an equal number from any other class would have looked happier and better men. When I met them in the streets they did not seem like other people, but had, as a general rule, a cramped expression upon their faces which pained and depressed me.

Those who came from the country were better; they seemed to have lived less as a separate class, and to be freer and healthier; but in spite of my seeing not a few whose looks were benign and noble, I could not help asking myself concerning the greater number of those whom I met, whether Erewhon would be a better country if their expression were to be transferred to the people in general. I answered myself emphatically, no. A man’s expression is his sacrament; it is the outward and visible sign of his inward and spiritual grace, or, want of grace; and as I looked at the majority of these men, I could not help feeling that there must be a something in their lives which had stunted their natural development, and that they would have been more healthily-minded in any other profession.

I was always sorry for them, for in nine cases out of ten they were well-meaning persons; they were in the main very poorly paid; their constitutions were as a rule above suspicion; and there were recorded numberless instances of their self-sacrifice and generosity; but they had had the misfortune to have been betrayed into a false position at an age for the most part when their judgment was not matured, and after having been kept in studied ignorance of the real difficulties of the system. But this did not make their position the less a false one, and its bad effects upon themselves were unmistakable.

Few people would speak quite openly and freely before them, which struck me as a very bad sign. When they were in the room every one would talk as though all currency save that of the musical banks should be abolished; and yet they knew perfectly well that even the cashiers themselves hardly used the musical bank money more than other people. It was expected of them that they should appear to do so, but this was all. The less thoughtful of them did not seem particularly unhappy, but many were plainly sick at heart, though perhaps they hardly knew it, and would not have owned to being so. Some few were opponents of the whole system; but these were liable to be dismissed from their employment at any moment, and this rendered them very careful, for a man who had once been cashier at a musical bank was out of the field for other employment, and was generally unfitted for it by reason of that course of treatment which was commonly called his education. In fact it was a career from which retreat was virtually impossible, and into which young men were generally induced to enter before they could be reasonably expected, considering their training, to have formed any opinions of their own. Few indeed were those who had the courage to insist on seeing both sides of the question before they committed themselves to either. One would have thought that this was an elementary principle—one of the first things that an honourable man would teach his boy to do; but in practice it was not so.

I even saw cases in which parents bought the right of presenting to the office of cashier at one of these banks, with the fixed determination that some one of their sons (perhaps a mere child) should fill it. There was the lad himself—growing up with every promise of becoming a good and honourable man—but utterly without warning concerning the iron shoe which his natural protector was providing for him. Who could say that the whole thing would not end in a life-long lie, and vain chafing to escape?

I confess that there were few things in Erewhon which shocked me more than this.