#Various ideal standards suggested.# It may, perhaps, be agreed that the ideal standard of deferred payments is one that would insure justice between borrower and lender.

Yet different views may be and have been taken as to what constitutes justice in this matter.

The suggestion is attractive that repayment should involve the return of enjoyment equal to that which could be purchased with the sum at the time of the loan.

Such a standard is impossible of perfect realization in any general way, for men's circumstances are constantly changing.
To insure even to the average man the same amount of enjoyment is only roughly possible.

The same goods do not afford the same enjoyment when conditions, either subjective or objective, have changed.