Many people protested that the rate of 10 per cent.

was outrageous, and none but a wicked man would exact such a charge.

I was accustomed to argue that money was worth what it would bring--no one would pay 10 per cent., or 5 per cent., or 8 per cent.

unless the borrower believed that at this rate it was profitable to employ it.

As I was always the borrower at that time, I certainly did not argue for paying more than was necessary.
Among the most persistent and heated discussions I ever had were those with the dear old lady who kept the boarding-house where my brother William and I lived when we were away from home at school.