My boy would have money enough to learn a trade.

Then he could get as good a job as I have." The hotel keeper told me that if he should die his wife could run the hotel just the same, it being free of debt and earning enough money so that she could hire a man to do the work he had been doing.

The banker owned bonds and if he died the bonds would go right on earning money for his children.
These men were capitalists and their future was provided for.

Most of the mill-workers were only laborers, they had no capital and the minute their labors ended they were done for.

The workers were kind-hearted, and when a fellow was killed in the mill or died of sickness they went to his widow and with tears in their eyes reached into their pockets and gave her what cash they had.