This custom of paying by check so strongly commended itself to a certain unworldly parson of my time, that he resorted to it on one occasion in entire ignorance and innocence of the necessity of having a bank deposit as a preliminary to the drawing of checks. He went to Richmond and bought a year's supplies for his little place--it was too small to be called a plantation--and for each purchase he drew a particularly polite check. When the banks threw these out, on the ground that their author had no account, the poor old parson found the situation a difficult one to understand. He had thought that the very purpose of a bank's being was to cash checks for persons who happened to be short of money.
"Why, if I'd had the money in the bank," he explained, "I shouldn't have written the checks at all; I should have got the money and paid the bills."
Fortunately the matter came to the knowledge of a well-to-do and generous planter who knew parson J. and who happened to be in Richmond at the time. His indorsement made the checks good, and saved the unworldly old parson a deal of trouble.
The planters were not all of them rich by any means. Hardly one of those in Virginia had possessions that would to-day rank him even among moderately rich men. But they were scrupulously honorable men, they were men of reasonable property, and their credit rested firmly upon the fact that they were able to pay and the equally important fact that they meant to pay. They lived lavishly, but the plantation itself furnished most of the materials of the lavishness, so that there was no extravagance in such living. For the rest they had a sufficient regard for those who were to come after them to keep the total volume of the debt upon the estate within such limits as the estate could easily stand.
What I wish to emphasize here is that the methods of their monetary transactions were such as to make of money a very infrequent subject of consideration in their lives and conversations.
Economically it would have been better for them if things had been otherwise, but socially, the utter absence of pecuniary flavor from their intercourse, lent a peculiar charm to it, especially in the eyes and mind of a youth brought up as I had been in an atmosphere positively grimy with the soot of monetary considerations.