AsthisincreaseoftheFineinthepurchaseofLandisnotanadvantagetothekingdom，soneitherisittotheLandholder，whoistheperson，thatbearingthegreatestpartoftheburthensoftheKingdom，ought，Ithink，tohavethegreatestcaretakenofhim，andenjoyasmanyPrivileges，andasmuchWealth，asthefavouroftheLawcan（withregardtothePublick-weal）conferuponhim。Butprayconsider：TheraisingthePriceofLandinSalebyincreasingthenumberofYearsPurchasetobepaidforit，givestheadvantagenottotheLandholder，buttohimthatceasestobeso。HethathasnolongertheLandhasthemoreMoney，andhewhohastheLandisthepoorer。ThetrueadvantageoftheLandholderis，thathisCorn，Flesh，andWool，sellbetter，andyieldagreaterprice;thisindeedisaprofit，thatbenefitstheowneroftheLand，andgoesalongwithit：ItisthisaloneraisestheRent，andmakesthePossessorricher：andthiscanonlybedonebyincreasingourWealth，anddrawingmoreMoneyintoEngland，whichthefallingofInterest，andthereby（ifitcouldeffectit）raisingthePurchaseofLandissofarfromdoing，thatitdoesvisiblyanddirectlyonewayhinderourincreaseofWealth，thatis，byhindringForeignerstocomehere，andbuyLand，andsettleamongstus。Wherebywehavethisdoubleloss;FirstwelosetheirPersons，increaseofPeoplebeingtheincreasebothofStrengthandRiches。SecondlywelosesomuchMoney。Fortho’whateveranEnglishmangivestoanotherforLand，thoughraisedtoFortyYearsPurchase，benotoneFarthingadvantagetothekingdom;yetwhateveraForeigner，whopurchasesLandhere，givesforit，issomucheveryFarthingcleargaintotheNation：ForthatMoneycomesclearin，withoutcarryingoutanythingforit，andiseveryFarthingofitasperfectGaintotheNationasifitdrop’ddownfromtheClouds。
Butfarther，ifconsiderationbetobehadonlyofSellersofLand，theloweringofInteresttoFourperCent。willnotbeintheirfavour，unless，byit，youcanraiseLandtoThirtyYearsPurchase，whichisnotatalllikely：AndIthinknoBodybyfallingofInteresttoFourperCent。hopestogetChapmenfortheirLandatthatRate。Whatsoevertheyhaveless，ifLawcanregulateInterest，theyloseoftheirvalueofLand，Moneybeingthusabased。SothattheLandedmanwillscarcefindhisaccountneitherbythisLaw，whenitcomestotrial。Andatlast，I
imagine，thiswillbetheresultofallsuchAttempts，thatExperiencewillshew，thatthepriceofThingswillnotberegulatedbyLaws，thoughtheendeavoursafteritwillbesuretoprejudiceandinconvenienceTrade，andputyourAffairsoutofOrder。
Ifthisbeso，thatInterestcannotberegulatedbyLaw，orthatifitcould，yetthereducingofittoFourperCent。woulddomoreharmthangood：Whatthenshouldthere（willyousay）benoLawatalltoregulateInterest？Isaynotso。For，1。ItisnecessarythatthereshouldbeastatedRateofInterest，thatinDebtsandForbearances，whereContracthasnotsetleditbetweentheParties，theLawmightgiveaRule，andCourtsofJudicaturemightknowwhatDamagestoallow。Thismay，andthereforeshould，beRegulated。
2。ThatinthepresentcurrentofrunningCash，whichnowtakesitscoursealmostalltoLondon，andisIngrossedbyaveryfewHandsinComparison，youngMen，andthoseinWant，mightnottooeasilybeexposedtoExtortionandOppression;andthedextrousandcombiningMoneyJobbersnothavetoogreatandunboundedaPower，toPreyupontheIgnoranceorNecessityofBorrowers。Therewouldnotbemuchdangerofthis，ifMoneyweremoreequallydistributedintotheseveralquartersofEngland，andintoagreaternumberofHands，accordingtotheExigencesofTrade。