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To close this discussion of gender and commerce, I want to return one last time to Emily Post. In the section of her
Etiquette
devoted to “showers,” a woman’s gift-giving institution if there ever was one, Miss Post lists three different persons for whom these “friendly gatherings” are given: a bride-to-be, an expectant mother, and the new clergyman. What is this solitary gentleman doing among nubile and pregnant ladies?

Miss Post suggests that the women of the town bring food to fill the cleric’s empty larder. It seems a sensible enough
suggestion, but still, the ladies are not urged to give food to the new vice president for marketing at the local manufacturing plant. The clergyman is grouped with the pregnant and the betrothed as the object of a gift ceremony because he performs a “female” role in the community. I earlier distinguished between “labor” and “work,” saying that there are gift labors that cannot, by their nature, be undertaken in the willed, time-conscious, quantitative style of the market. A clergyman does such labors. Not only is he charged with the cure of souls, that interior task which cannot be accomplished in any market, but nowadays he must also be a social worker, visiting nurse, marriage counselor, and psychotherapist. And by our current notions of gender all these duties place him closer to Magnolia Waters than to any salesman.

To make the wider point here, what we take to be the female professions—child care, social work, nursing, the creation and care of culture, the ministry, teaching (these last, when done by men, being done by effete men, as Vice President Spiro Agnew told us)—all contain a greater admixture of gift labor than male professions—banking, law, management, sales, and so on. Furthermore, the female professions do not pay as well as the male professions. The disparity is partly a consequence of a stratified gender system: women are still not paid on a par with men
for equal work
, a discrimination therefore clearly unrelated to the content of that work.

But if we could factor out the exploitation, something else would still remain: there are labors that do not pay because they, or the ends to which they are directed, require built-in constraints on profiteering, exploitation, and—more subtly— the application of comparative value with which the market is by nature at ease. There are two points here, one having to do with the nature of the work, the other with the commitment of the worker. “Female” tasks—social work and soul work— cannot be undertaken on a pure cost-benefit basis because
their products are not commodities, not things we easily price or willingly alienate. Furthermore, those who assume these labors automatically inhibit their ability to “sell themselves” at the moment they answer their calling. Gift labor requires the kind of emotional or spiritual commitment that precludes its own marketing. Businessmen rightly point out that a man who cannot threaten to quit his job has no leverage when demanding a higher salary. But some tasks cannot be undertaken in such an adversarial spirit. Few jobs are pure gift labors, of course—although a nurse is committed to healing, she is also an actor in the marketplace—but any portion of gift labor in a job will tend to pull it out of the market and make it a less lucrative—and a “female”—profession.

But, you ask, if we really valued these gift labors, couldn’t we pay them well? Couldn’t we pay social workers as we pay doctors, pay poets as we do bankers, pay the cellist in the orchestra as we pay the advertising executive in the box seat? Yes, we could. We could—we should—reward gift labors where we value them. My point here is simply that where we do so we shall have to recognize that the pay they receive has not been “made” the way fortunes are made in the market, that it is a gift bestowed by the group. The costs and benefits of tasks whose procedures are adversarial and whose ends are easily quantified can be expressed through a market system. The costs and rewards of gift labors cannot. The cleric’s larder will always be filled with gifts; artists will never “make” money.

We must therefore distinguish the necessary feminist demand for “equal pay for equal work” from the equally important need to keep some parts of our social, cultural, and spiritual life out of the marketplace. We must not convert all gift labors into market work lest we wake one day to see that universal market in which all our actions earn a wage and all our goods and services bear a price. There is a place for volunteer labor,
for mutual aid, for in-house work, for healings that require sympathetic contact or a cohesive support group, for strengthening the bonds of kinship, for intellectual community, for creative idleness, for the slow maturation of talent, for the creation and preservation and dissemination of culture, and so on. To quit the confines of our current system of gender means not to introduce market value into these labors but to recognize that they are not “female” but human tasks. And to break the system that oppresses women, we need not convert all gift labor to cash work; we need, rather, to admit women to the “male,” money-making jobs while at the same time including supposedly “female” tasks and forms of exchange in our sense of possible masculinity.

Let me close on a historical note. Ann Douglas has written an interesting book on the feminization of American culture during the nineteenth century. In 1838, she tells us, an American Unitarian minister, Charles Follen, had a vision in which he saw a band of singing Sunday school children enter his church and displace a group of stern Pilgrim Fathers. In the course of the nineteenth century, Douglas contends, an old association between masculinity and spiritual power was broken; spiritual life became the province of women, children, and an “unmanly” clergy, who, like the mothers of families, had essentially no social force beyond “influence.”

The stern Pilgrim Fathers of Follen’s vision founded the nation. Serious religious dissenters from Europe, these men felt no necessary disjunction between their sex and attention to spiritual life. An early diarist like Samuel Sewell worried daily about his relationship to God, never about his manliness. But the nineteenth century saw a decline in faith coincide with the remarkable success of a secular, mercantile, and entrepreneurial spirit. The story has been told many times. By the end of the century, to be “self-made” in the market, or to have successfully exploited the natural gifts of the New
World, were the marks of a Big Man, while attention to inner life and the community (and to their subtle fluids—religion, art, and culture) was consigned to the female sphere. This division of commerce by gender still holds. As a character in Saul Bellow’s novel
Humboldt’s Gift
remarks in regard to creative artists, “To be a poet is a school thing, a skirt thing, a church thing.” In a modern, capitalist nation, to labor with gifts (and to treat them as gifts, rather than exploit them) remains a mark of the female gender.

*
In 1980 a New Jersey couple tried to exchange their baby for a secondhand Corvette worth $8,800. The used-car dealer (who had been tempted into the deal after the loss of his own family in a fire) later told the newspapers why he changed his mind: “My first impression was to swap the car for the kid. I knew moments later that it would be wrong—not so much wrong for me or the expense of it, but what would this baby do when he’s not a baby anymore? How could this boy cope with life knowing he was traded for a car?”

*
I assume this historical asymmetry derives from the fact that while both parents contribute to conception, the mother must carry the child, give it birth, and suckle it. Even in a matriarchy her contribution is greater.


In the modern world the rights that adults have in their children—male or female—normally pass slowly from parent to child during adolescence and become fully vested in the child when he or she is ready to leave home.

If our lives are gifts to begin with, however, in some sense they are not “ours” even when we become adults. Or perhaps they are, but only until such time as we find a way to bestow them. The belief that life is a gift carries with it the corollary feeling that the gift should not be hoarded. As we mature, and particularly as we come into the isolation of being “on our own,” we begin to feel the desire to give ourselves away—in love, in marriage, to our work, to the gods, to politics, to our children. And adolescence is marked by that restless, erotic, disturbing inquisition: Is this person, this nation, this work, worthy of the life I have to give?

*
The examples of male life given as a gift are usually stories of sacrifice. It may be that so long as no gift institution recognizes the contribution to conception—and as the male body cannot in fact give birth—when male life is treated as a gift, the tendency is to give the body itself. In the chapter on the gift bond I spoke of compassionate deities who give their bodies to join man to a higher spiritual plane. These deities are generally male.

*
For a case illustrating the “stability”side, see Wendy James’s article, “Sister-Exchange Marriage,
”Scientific American
(December 1975).

*
It would have been interesting to see the results had the government instituted groomwealth or childwealth, for it is really the Uduk husband who gives children to the wife’s kin.

*
Abandoning the bestowal of the bride in favor of her autonomy is one way to rearrange the pattern of this institution. Because the woman given in marriage
does
assume the functions of the gift, the group loses something even as the woman gains. When someone other than the couple being married is allowed to stand up at a wedding and say “I do,” then marriage is understood to be a social event; the ceremony recognizes that we sometimes have rights in the lives of our friends and relations, and that the union occurs within an “ego” wider than the couple’s “ego-of-two.” For the feminist wary of the father’s right to bestow his daughter, but wary as well of what I earlier called the perfect freedom of strangers—that pure individualism which is corrosive to social life—we might, rather than drop all sense of persons as gifts, extend a “female” submersion in the group to the groom, instead of a “male” indivudualism to the bride. We could, in other words, add the bestowal of the man to the ceremony and—a necessary corollary—recognize that mothers share in the donation of their offspring. In fact, if Freud is right that the most difficult attachment to resolve is the one we have to the parent of the opposite sex, it might be useful for the mother of the groom to stand and declare that she, too, is willing to allow her interest in the life of her son to pass to another woman; that she, like the father of the bride, is letting go of a gift.

*
Gift exchange is not aboriginally, nor yet universally, a “female” commerce. There have always been times and there are still places where both men and women are sensitive to the functions of gift exchange, and where a man in particular may acquire his masculinity, or affirm it, through the bestowal of gifts. For a fascinating discussion of gender and exchange in a tribal group, see Annette Weiner’s recent book on the Trobriand Islands,
Women of Value, Men of Renown.

CHAPTER SEVEN
Usury:
A History of
Gift Exchange

Unto thy brother thou shalt not lend upon usury, that the Lord
thy god may bless thee in all that thou settest thine hand to.

DEUTERONOMY 23:20

What ye put out at usury to increase it with the substance of
others, shall have no increase from God.

THE KORAN, SÛRA 30:38

I • The Law of the Gate

In an earlier chapter, speaking of gifts that must be refused, I suggested that a young person leaving home might well be wary of that parental largesse which tends to reinforce the bond between parent and child. A look at the same situation in terms of money loans will illustrate what I take to be the ancient meaning of usury, as well as the connection between
gift exchange and the old debate over the morality of charging interest on a loan. Wherever there is the potential for wealth to increase over time, an interest-free loan amounts to the gift of the increase. Imagine, then, a young woman recently out of college who approaches her parents for a loan. And imagine these different responses: (1) the family immediately gives her $1,000, nobody says a thing about it, if she ever needs more she should just ask, and so on; (2) they loan her the money and they insist (or she does) on her signing a note promising to repay the loan at such and such a date, along with an interest payment at the prime rate.

The first response makes the woman part of the family, which may be good for her or it may be bad. (Maybe it’s a large family where she will be able to give and get support all her life; or maybe if she takes the gift she’ll have to go on being a child and never establish herself in the world. It depends.) Either way, the gift creates a psychic bond to the family and its specific structure, while the interest-bearing loan says to all concerned that though she may be on good terms, she is psychologically separated from the family. Usury and interest are sisters to commodity; they allow or encourage a separation.

Several senses of “usury” precede the modern one. The term took on its current meaning (an excessive or illegal rate of interest) during the Reformation. Before that it simply meant
any
interest charged on a loan, and its opposite was a form of gift, the gratuitous loan. A phrase of Marcel Mauss’s first brought me to the connection between “ancient usury,” as I shall call it, and gift exchange. Mauss speaks of how Maori tribesmen insist that the
hau
of a gift “constrains a series of users” to make a return gift, “some property or merchandise or labor, by means of feasts, entertainments or gifts of equivalent or superior value.” The superior value that the
“users” of a gift return or pass along is the “use-ance” or “use-ury” of the gift. In this sense, ancient usury is synonymous with the increase that comes to the gift when it is used up, eaten, and consumed, and by the ethics of a gift society this usance is neither reckoned nor charged, it is passed along as a gift.

The primitive connection between gift-increase and usury may also be seen in Roman law, where
usura
originally meant a charge for the loan of a fungible (i.e., any perishable and nonspecific good whose use consists of its consumption). The examples given of fungibles are almost always organic goods, such as grain, which, like gifts, increase through use: if a man borrows a bushel of seed grain, his use of the loan consumes the loan, but if he is prudent, his use will also increase it—the grain he harvests will be more than the grain he plants. And when he returns the bushel he borrowed, he includes with it the
usura
, the fruit of its use. If both sides of the exchange are gifts, the
usura
is the expression of gratitude.

But I must stop here. This connection between usury and gifts is a fable I have invented to speak of ancient history. Perhaps I am right—the earliest senses of “usury” may well derive from the increase attendant upon gift exchange; but as we all know, the term does not in fact refer to that increase. When it first appears, “usury” is already distinct from gift-increase, for in pure gift exchange there is no need to speak of the increase in this intentional manner. The man who gives a gift drops the shells on the ground, saying, “Take this food I cannot eat,” and keeping silent as to the matter of any return. He certainly does not say, “The
usura
will be ten percent per annum.” To ask for interest on loaned wealth is to reckon, articulate, and charge its increase. The idea of usury therefore appears when spiritual, moral, and economic life begin to be separated from one another, probably at the time when
foreign trade, exchange with strangers, begins.
*
As we saw in an earlier chapter, wherever property circulates as a gift, the increase that accompanies that circulation is simultaneously material, social, and spiritual; where wealth moves as a gift, any increase in material wealth is automatically accompanied by the increased conviviality of the group and the strengthening of the
hau
, the spirit of the gift. But when foreign trade begins, the tendency is to differentiate the material increase from the social and spiritual increase, and a commercial language appears to articulate the difference. When exchange no longer connects one person to another, when the spirit of the gift is absent, then increase does not appear between gift partners, usury appears between debtors and creditors.

Islamic laws concerning usury support the intuition that the idea of usury originally appeared in order to mark the distinction between gift giving and the market. I spoke earlier of increase as having a vector or direction: in a gift society, the increase follows the gift and is itself given away, while in a market society the increase (profit, rent, interest) returns to its “owner.” The material quantity of the increase could be the same in both cases, but the social and spiritual increase cannot, for the feeling-bond—and all that is attendant upon it—does not appear when the increase does not circulate as a gift. The Koran distinguishes in essentially these terms between lawful increase, which comes of gift giving (gifts to the poor, in
particular) and unlawful increase, usury
(riba).
“God shall blot out usury, but almsgiving shall bring increase,” reads a verse in the second Sûra. “What ye put out at usury to increase it with the substance of others, shall have no increase from God,” says a later verse. The Koran permits a man who has given a gift to receive a return gift of greater worth. But they must both be gifts: to loan a thing under condition that it be returned with increase is usury. Increase borne of a gift (from a friend or from the Lord) is lawful and sacred; increase that comes of capital loaned “at usury” is profane.

Aristotle is always mentioned in discussions of usury for having made a similar distinction, though the best-known part of his argument strikes me as a bit of a red herring. By the time Aristotle wrote his
Politics
(about 322 B.C.) people were charging usury on money loans. Money had been classified as a fungible like grain, for it was considered to be “consumed” when it was exchanged for goods. Aristotle objected.

There are two sorts of wealth-getting …, one is a part of household management, the other is retail trade; the former necessary and honourable, while that which consists in exchange is justly censured; for it is unnatural, and a mode by which men gain from one another. The most hated sort, and with the greatest reason, is usury, which makes a gain out of money itself, and not from the natural object of it. For money was intended to be used in exchange, but not to increase at interest. And this term interest [
tokos
, “offspring”], which means the birth of money from money, is applied to the breeding of money because the offspring resembles the parent. Wherefore of all modes of getting wealth this is the most unnatural.

Aristotle distinguishes here between a gift situation (the Greek household) and a commodity one (retail trade). To say
that one is natural and the other not so is the red herring; the distinction between these forms of commerce holds up without recourse to organic analogies.
*
Natural or unnatural, in retail trade “men gain from one another” and not from their union. Usury and trade have their own sort of growth, but they bring neither the personal transformations nor the social and spiritual cohesion of gift exchange. As the industrialized nations have shown us, a people may grow richer and richer in commodities while becoming more and more isolated from one another. Cash exchange does not engender worth. If you care more about the unity and liveliness of the group than you do about material growth, therefore, usury becomes “the most hated” sort of gain.

The laws in the Old Testament which deal with usury have been a focal point for the usury debate over the centuries. The most important are two verses in the twenty-third chapter of Deuteronomy:

19: Thou shalt not lend upon usury to thy brother; usury of money, usury of victuals, usury of anything that is lent upon usury:

20: Unto a stranger thou mayest lend upon usury: but unto thy brother thou shalt not lend upon usury, that the Lord thy God may bless thee in all that thou settest thine hand to in the land whither thou goest to possess it.

This double law, both a prohibition and a permission, seeks to organize the double situation of being a brotherhood wandering among strangers. The Hebrews had gift exchange among themselves, but they also had contact with peoples who were not part of the gift cycle.
*

In a gift cycle the gift is given without contract or agreement about return. And yet it does return; a circulation is set up and can be counted upon. Within this circle, things must be kept moving, and that is the intent of the first law: no one may ask usury on a loan to a brother, for this converts generosity into a market exchange. The prohibition means not that there should be no increase or usance, but that it must come to the tribe as a whole, not to individuals.

Thus also the law against usury requires that the self be submerged in the tribe. This is the “poverty” of the gift, in which each man, by his generosity, becomes “poor” so that the group may be wealthy. A needy person is not seen as having a separate and personal problem. His neediness is felt throughout the group, and its wealth flows toward the need
and fills it without reflection or debate, just as water flows immediately to fill the lowest place. The law asks that no member of the tribe be either more or less in touch with the necessities of life.

Put another way, the law says there shall be no business in the tribe. Property circulates, but not through buying and selling. Among the Hebrews the contracting of debts and the alienation of movable goods was very difficult. Business, as the saying goes, was done with foreigners (Thomas Jefferson had a phrase: “The merchant has no homeland”). The law makes it almost a matter of definition: trade is what you do with strangers. When this law is observed, when wealth is not turned into private capital inside the tribe, then they say, “The Lord thy God may bless thee in all that thou settest thine hand to …”

To speak of brotherhood as the first law does is to affirm a trust in the circulation of the gift. The second law deals with situations of doubt. Suppose a strange Egyptian comes by and asks for a few bushels of grain. You can’t tell if you’ll ever see the man again or if he understands how one bushel in the spring is several in the fall. He has a different god; he hasn’t read the local Book. Grain, even what can be spared, is a wealth of the tribe; if it does not come back, the group will lose some of its vitality. Within the body of the tribe there is faith that the gift will return as blood comes back to the heart, but beyond the body there is risk. So, when the Egyptian comes by, you try to articulate what does not need to be said to a brother. Not only do you remind him that the gifts of nature grow with use and that he should return the usance, but you tell him you’d like it all on paper and could he leave his goats as collateral.

The God who permits usury is one who allows gift exchange to have a boundary. Though the weight of my attention in this book falls elsewhere, there is no need to pretend
that such a boundary has nothing in its favor. It protects the interior of the circle and assures that the fluid property within will not be lost or spread too thin. The two Mosaic laws describe a community that is like a single-celled being. It was recently understood that some organic cells have a special kind of molecule forming their outer wall. These molecules repel water on one end and attract it on the other, a sort of double law for molecules. When such molecules are put into water, they will eventually group themselves in a circle with the water-repellent ends pointing away from the water, and toward the body of the cell. The cell becomes an organized and living structure by having molecules with two sets of laws, one for the outer edge and the other for the center.

Another image for a group of people governed by such laws is a walled city with a gate at the wall and an altar in the center. Then we may say, as the ancients did, that there is a law of the altar and a law of the gate. A person is treated differently depending on where he or she is. At the edge the law is harsher; at the altar there is more compassion.

To take a metaphor from the last chapter, we could say that the two laws in Deuteronomy are male and female with two kinds of judging for the two kinds of property. The first law says that female property must predominate within the group, while the second allows male exchange at the edge. The breakdown of these laws and the incautious mixing of the forms of property lead to the dissolution of the group. If there is no wall, then wealth flows out, like a manic person who discharges his energy with no means of getting it back. Conversely, if male property gets into the middle, then the group begins to fragment, as does any community whose gifts are placed in the market.

To summarize the Mosaic laws, one ensures the circulation of gift while the other rationalizes the structure of gift exchange in order to deal with strangers. The permission to
charge usury allows some trade across the boundary, but while such trade may set up a flow between admitted aliens, it also carefully maintains them in their alien status. Foreign trade and the charging of rent on loans do not bring people together except materially. There is no felt bond, no group is formed. The rationalization of the gift abandons the spirit of the gift.

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