The cost of mari­time usury is based on two things : the peril of the sea, which makes a per­son risk len­ding his money only in order to acquire much more ; and the faci­lity which com­merce offers the bor­ro­wer to close large and nume­rous deals in short order ; whe­reas land usu­ries, being based on nei­ther of these two rea­sons, are either for­bid­den by legis­la­tors or, which is more ratio­nal, redu­ced to fair limits.