The need for getting goods on credit, accordingly, is one which is based on fundamental elements of human nature, and is a need which must be satisfied. There would be no economic advantage, even to the merchant, in doing away with retail credit. The records of sales should be kept in detail in any case, in order that the merchant may know the amount of his sales of each class of goods and who has bought them. The charge account saves the merchant's time as well as the time of the customer. To make use of a trite form of expression, it is not the use, but the abuse, of the credit system that is so costly. Among the many who obtain credit, there are some who will not pay at all. There are others who will "dispute" Their bills. There are others from whom collection can be made only with difficulty, and at an expense which may offset the nominal profit on the transaction, or on several transactions. There are others, of the wealthier classes, who are too proud to pay a bill when it is due. They defer payment for much the same reason that others of their kind in a lower social stratum have goods charged instead of paying cash they wish to remove themselves from the class of persons who are suspected of being either "hard-up" Or dishonest if they do not pay promptly. Their patronage is such an honor to the tradesman, they seem to think, that he should not object to waiting a year or more for his money. Meanwhile, the merchant may be hard-putto-it to keep his business going, and unable to give his Other customers the service which he would like to give them service for which they pay, and to which they are entitled. His working capital is tied up in outstanding accounts....

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