As yet, however, his wealth was very moderate, for in 1790, at the dissolution of a partnership he had formed with his brother who had come to America, his own share of the business amounted to only thirty thousand dollars. And yet, forty years later, he died leaving a fortune of ten millions.
It is sad; but may be profitable to know, that his happiness did not increase with his possessions. While his balance-sheets recorded increasing a.s.sets, his hearth-stone echoed louder and wilder echoes of discordant voices. He was jealous, arbitrary, and pa.s.sionate; his unfortunate wife was resentful, fiery, and finally so furious that, in 1790, she was admitted as a maniac to an insane hospital, which she never left until she was carried to her grave, unwept and unregretted, twenty-five years after. Their only child had gone to an early grave.
Girard"s nature must have been strangely perverted if he counted, as he seems to have done, the pleasure of making money a compensation for the absence of true womanly love from his cheerless fireside. His heart, no doubt, was as unsentimental as the gold he loved to h.o.a.rd.
The terrible retribution which about this time overtook the slave-holders of St. Domingo, when their slaves threw off their oppressive yoke, added considerably to his rising fortunes. He happened to have two vessels in that port when the tocsin of insurrection rang out its fearful notes. Frantic with apprehension, many planters rushed with their costliest treasure to these ships, left them in care of their officers, and went back for more. But the blood-stained hand of ma.s.sacre prevented their return. They and their heirs perished by knife or bullet, and the unclaimed treasure was taken to Philadelphia, to swell the stream of Girard"s wealth. He deemed this a lucky accident, no doubt; and smothered his sympathies for the sufferers in the satisfaction he felt over the addition of fifty thousand dollars to his growing estate. It stimulated, if it did not beget, the dream of his life, the pa.s.sion which possessed his soul, which was to acquire wealth by which his _name_ might be kept before the world forever. "My _deeds_ must be my life. When I am dead my _actions_ must speak for me," he said to an acquaintance one day, and thus gave expression to his plan of life. There was nothing intrinsically n.o.ble in it. If the means he finally adopted bore a philanthropic stamp on their face, his motive was purely personal, and therefore low and selfish. What he toiled for was a name that would never die. He was shrewd enough to perceive that this end could be most surely gained by linking it with the philanthropic spirit of the Christianity which he detested. And hence arose his idea of founding Girard College.
Shortly after plucking the golden fruit which fell into his hands from the St. Domingo insurrection Girard enlarged his business by building several splendid ships and entering into the China and India trade. His operations in this line were managed with a spirit that indicated a true mercantile genius, and contributed greatly to the enlargement of his fortune.
He made these ships the visible expressions of his thoughts on religion and philosophy by naming them, after his favorite authors, the _Montesquieu_, the _Helvetius_, the _Voltaire_, and the _Rousseau_. He thus defiantly a.s.sured the world that he was not only a skeptic, but that he also gloried in that by no means creditable fact.
Girard"s life was filled with enigmas. He really loved no living soul.
He had no sympathies. He would not part with his money to save agent, servant, neighbor, or relation from death. Nevertheless, when the yellow fever spread dismay, desolation, and death throughout Philadelphia, in 1793, sweeping one-sixth of its population into the grave in about sixty days, he devoted himself to nursing the sick in the hospital with a self-sacrificing zeal which knew no bounds, and which excited universal admiration and praise. His biographer accounts for this conduct, repeated on two subsequent visitations of that terrible fever, by supposing that he was naturally benevolent, but that his early trials had sealed up the fountains of his human feeling. A great public catastrophe broke the seal, the suppressed fountain flowed until the day of terror pa.s.sed, and then with resolute will he resealed the fountain, and became a cold-hearted, selfish man again.
His selfish disregard for the claims of his dependents was shown, one day, when one of his most successful captains, who had risen from the humble position of apprentice to the command of a fine ship, asked to be transferred to another ship. Girard made him no reply, but, turning to his desk, said to his chief clerk:
"Roberjot, make out Captain Galigar"s account immediately."
When this order was obeyed and the account settled, he coolly said to the faithful officer:
"You are discharged, sir. I do not make the voyage for my captains, but for myself."
There was no appeal to be made from this unjust, arbitrary decision, and the man who had served him faithfully seventeen years left his counting-room to seek another employer.
Discourtesy was also a characteristic of this unlovely and unloving man.
He never considered men"s _feelings_, nor sought to give pleasure to others by means of the small courtesies of life. He had a farm in the suburbs of the city, and a garden at the back of his town residence. In both he cultivated beautiful flowers and rare fruits; but never, either to visitors or neighbors, did he offer gifts of either. Rich though he was, he sent the surplus to market. He once told a visitor he might glean strawberries from a bed which had been pretty thoroughly picked over. Returning from the lower part of the garden, he found the gentleman picking berries from a full bed. With a look of astonishment, and a voice of half-suppressed anger, he pointed to the exhausted, bed and said:
"I gave you permission only to eat from that bed."
Singular meanness! Yet, notwithstanding this narrow disposition, which ran like veins abnormally distended over nearly all his habits of life, he could, and did at times, do liberal things. But even in such things he was capricious and eccentric; as when a highly esteemed Quaker, named Coates, asked him one day to make a donation to the Pennsylvania Hospital. He replied:
"Call on me to-morrow morning, Mr. Coates, and if you find me on a right footing, I will do something."
Mr. Coates called as requested, and found Girard at breakfast.
"Draw up and eat," said Girard.
Coates did so quite readily. The repast ended, he said, "Now we will proceed to business, Stephen."
"Well, what have you come for, Samuel?"
"Any thing thee pleases, Stephen," rejoined the Quaker.
Girard filled out and signed a check for two hundred dollars. Coates took it, and, without noting how much was the amount, put it in his pocket-book.
"What, you no look at the check I gave you!" exclaimed the merchant.
"No, beggars must not be choosers."
"Hand me back the check I gave you," demanded Girard.
"No, no, Stephen; a bird in the hand is worth two in the bush,"
responded Coates.
"By George," exclaimed Girard, "you have caught me on the _right footing_."
He then drew a check for five hundred dollars, which he laid before the Quaker, saying: "Will you now look at it, Samuel!"
"Well, to please thee, Stephen, I will."
He did so, and then, at Girard"s request, returned the first and went away triumphantly with the second check.
Skeptic though he was, Girard sometimes gave money to build churches, not because they were _churches_, but because, as buildings, they contributed to the improvement of the city. To a brother merchant, who solicited aid toward building a Methodist church, he once presented a check for five hundred dollars, saying:
"I approve of your motives, and, as the erection of such a building will tend to improve that quarter of the city, I am willing to a.s.sist in the furtherance of your object."
It happened that the church to which he thus contributed was subsequently sold to the Episcopalians, who proceeded to convert it into a Gothic structure at a very considerable outlay. They also waited on Girard soliciting a contribution. He handed them a check for five hundred dollars. The gentlemen solicitors looked blank, and intimated that he had made the mistake of omitting a cipher. He had given the "poor Methodists" that sum they pleaded; he surely must have intended to make his present gift five thousand. With this remark they handed back the check, requesting him to add the desired cipher.
"Ah, gentlemen, what you say? I have made one mistake? Let me see; I believe not; but if you say so I must correct it."
Thus saying, he took up the check, tore it to pieces, and added: "I will not contribute one cent. Your society is wealthy. The Methodists are poor, but I make no distinction. Yet I can not please you.... I have nothing to give for your magnificent church."
But, with all his offensive peculiarities, Girard continued to increase his wealth. His ships spread their sails on every sea and earned money for him in every great commercial port. In 1812 he founded the old Girard Bank, and added the rich profits of banking to the immense gains of his vast mercantile transactions. This new enterprise greatly enlarged the sphere of his influence, especially as in matters pertaining to the financial interests of the country and of the city of Philadelphia he manifested a degree of public spirit which contrasted marvelously with his narrowness, meanness, and even inhumanity, in dealing with individual and private interests. He was certainly a patriotic man. Nevertheless, as his biographer demonstrates, he always contrived to make his patriotism tributary to the increase of his immense wealth. His magnificent purchases of United States securities in times of pecuniary disaster, though they contributed immensely to the credit of the government, were not wholly patriotic. They were, to his far-seeing mind, investments which were sure to pay. And he knew also that the very magnitude of his purchases would, by strengthening public confidence, insure the profitable returns he sought. Still, there is no room for doubting the sincerity of his attachment to the country of his adoption.
This fortunate acc.u.mulator of millions took very little from his h.o.a.rds for the promotion of his personal ease and physical enjoyments. He lived in a plain mansion, simply furnished, and standing in the midst of warehouses, where the din of business, the rolling of heavy wheels, and the city"s noisiest roar, constantly filled his ears. His table was plentifully but not luxuriously supplied. As he grew old it was extremely simple. He gave no parties, invited none to share his hospitality, except now and then an individual from whom he had reason for believing he could extract information which would be useful to him.
He worked incessantly at his business, rising at three or four o"clock and toiling until after midnight. His keen eye inspected every department of his complicated business, from the discounting of a note to the building of a ship or the erection of a building. His only recreation was his garden, his farm at Pa.s.syunk, or the training of his birds. His life was coined into work. Its only real pleasure was derived from the acc.u.mulation of the money which was to make his name immortal.
In 1830 the sight of his eye grew so dim that it was both difficult and dangerous for him to grope his way along the familiar streets where he transacted business. But so obstinately self-reliant was he that he refused the aid of an attendant. He paid dearly for this obstinacy; for, one day as he was going home from his bank, he was knocked down by a wagon on a street-crossing. A gentleman, seeing him fall, rushed to his a.s.sistance. But before he could reach him the plucky old merchant was on his feet shouting, "Stop that fellow! stop that fellow!"
He was badly hurt. Nevertheless, he persisted in walking home. When his physician came his face was found to be seriously wounded. His right ear was almost entirely cut off. His eye was entirely closed. His entire system had received a violent shock, from which it never recovered. His wound healed, but from that time his body began to waste, his face grew thin, and his natural force began to abate. His strength was sadly impaired, and when, in December, 1831, he was attacked by a prevailing influenza, his worn-out system succ.u.mbed. The disease touched his powerful brain. He became first insane and then insensible, until, on the 26th of December, 1831, this old man of eighty-two rose from his bed, walked across his chamber, returned almost immediately to his bed, and then, placing his hand upon his burning head, exclaimed:
"How violent is this disorder! How very extraordinary it is!"
After this he lapsed into an unconscious condition, and while in this state, his naked soul pa.s.sed into the presence-chamber of that Infinite One whose worship it had neglected, and whose existence it had boldly denied.
Thus ended that busy life, which began in poverty, and which had yielded its possessor a fortune of _ten millions of dollars_. Surely, if wealth and the power it wields be the real crown of life, Stephen Girard must be accorded high rank among the mighty men who win magnificent victories over the adverse circ.u.mstances of an obscure birth. He sought riches, not as a miser who gloats with low delight over his glittering gold, but as a man ambitious to make his name imperishable. His ambition was satisfied. His ten millions, invested as directed in his will, which is itself a marvel of worldly wisdom, is accomplishing his life-long desire. So far as human foresight can perceive, Girard College will keep the name of this wonderful man before the eyes of men through the coming ages.
Nevertheless, we count this victor over the mighty obstacles which stand between a penniless cabin-boy and the ownership of millions a vanquished man. Bringing his life into the "light of the glory of G.o.d which shines from the face of Jesus Christ," we are compelled to p.r.o.nounce it a miserable failure. We do not find either Christian faith or Christian morality in it. As to faith, he had none; for he was an atheist, and gloried in his disbelief of all revealed truth. As to morality, his biographer informs us that he was an unchaste, profane, pa.s.sionate, arbitrary, ungenerous, unloving man. His apparent philanthropy was so veined with selfishness that it was rarely ever exhibited except under conditions which secured publicity. And even the college which perpetuates his name proclaims, by its prohibition of _religious_ instruction, his hatred of "the only name given under heaven among men whereby we can be saved." It is true that his will enjoins instruction in morals; but it is heathen, not Christian, morality that he intended; and, if the letter and spirit of his remarkable will were strictly carried out, the graduates of Girard College would leave its walls as ill instructed in the principles of genuine morality as were the disciples of Socrates or the followers of Confucius. The only roots on which pure morals can grow are faith in our heavenly Father and his divine Son, and love which is born of that precious faith. That faith is forbidden to be taught, and its divinely ordained teachers are prohibited entrance within the walls his unsanctified ambition built.
Happily for the orphan boys who congregate there, the _spirit_ of that antichristian will can not be executed in this Christian country. Its _letter_ is no doubt respected; but the ethics of the inst.i.tution are not those of Voltaire, Rousseau, or Confucius, but of Jesus, whose life is the only "light of men." Hence, while his college may perpetuate his name, it will never cause mankind to love his character, nor to hope that he is one of that exalted host which ascended to heaven through much tribulation, and after washing their robes in the blood of the Lamb.--DR. WISE, _in "Victors Vanquished_," Cranston & Stowe, Cincinnati.
XXIV.
DISAPPOINTMENTS.