If he was not actually a philosopher, some of his views of life were characterized by great shrewdness. He had remarked, for instance, that the changeful fashions of the world are ever alternating; and that not only dress and costume and social customs undergo mutations, but that objects of positive sterling value are liable to the same wayward influences. We are all modern to-day, to-morrow we may be “Louis Quatorze,” the next day “Cinque Centi” in our tastes. Now we are mad after Italian art, yesterday the Dutch school was in vogue. Our galleries, our libraries, our houses, our gardens, all feel the caprices of these passing moods. There was but one thing that Mr. Merl had perceived never changed, and that was the estimation men felt for money. Religions might decay, and states crumble, thrones totter, and kings be exiled, Cuyps might be depreciated and marquetry be held in mean esteem; but gold was always within a fraction at least of four pounds eleven shillings the ounce!
He remarked, too, that men gradually grow tired of almost everything; the pursuits of the young are not those of the middle-aged, still less of advanced life. The books which we once cried over are now thrown down with languor; the society we imagined perfection we now smile at for its very absurdities. We see vulgarity where we once beheld vigor; we detect exaggeration where we used to attribute power. There is only one theme of which our estimation never varies,--wealth! Mr. Merl had never yet met the man nor the woman who really despised it; nay, he had seen kings trafficking on 'Change. He had known great ministers deep speculators on the Bourse; valiant admirals, distinguished generals, learned judges, and even divines, had bought and sold with him, all eager in the pursuit of gain, and all employing, to the best of their ability, the high faculties of their intelligence to assist them in making crafty bargains.
If these experiences taught him the universal veneration men feel for wealth, they also conveyed another lesson, which was, the extreme gullibility of mankind. He met every day men who ruled cabinets and commanded fleets,--the reputed great of the earth,--and saw them easier victims in his hand than the commonest capacity in “Leadenhall Street.” They had the earliest information, but could not profit by it; they never understood the temper on 'Change, knew nothing of the variations of the money-barometer, and invariably fell into snares that your city man never incurred. Hence Mr. Merl came to conceive a very low general opinion of what he himself called “the swells,” and a very high one of Herman Merl.