To the most
passionate entreaties of failing merchants for a loan to help them
over a crisis, he was inflexibly deaf. They thought it meanness. But
we can safely infer from Girard's letters and conversation that he
thought it an injury to the community to avert from a man of business
the consequences of extravagance and folly, which, in his view, were
the sole causes of failure. If there was anything that Girard utterly
despised and detested, it was that vicious mode of doing business
which, together with extravagant living, causes seven business men in
ten to fail every ten years. We are enabled to state, however, on the
best authority, that he was substantially just to those whom he
employed, and considerately kind to his own kindred. At least he meant
to be kind; he did for them what he really thought was for their good.
To little children, and to them only, he was gracious and affectionate
in manner. He was never so happy as when he had a child to caress and
play with.
After the peace of 1815, Girard began to consider what he should do
with his millions after his death.
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