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Soldiers of the Ninth Century, I am your new centurion, Marcus Tribulus Corvus. From this moment I formally assume command of this century, and become responsible for every aspect of your well-being, discipline, training and readiness for war.’ He paused, looking to Dubnus, who drew a large breath and spat a stream of his native language at the troops. ‘One fucking smile, cough or fart from any one of you cock jockeys, and I’ll put my pole so far up that man’s shithole that it won’t even scrape onthe floor. This is your new centurion and you will treat him with the appropriate degree of respect if you don’t want to lead short and very fucking interesting lives.’ He turned to Marcus and nodded, indicating that the Roman should continue. ‘I can see from the state of your uniforms that you’ve been neglected, a state of affairs that I intend to address very shortly. I have yet to see your readiness for battle, but I can assure you that you will be combat ready in the shortest possible time. I do not intend to command a century that I would imagine is regarded as the laughing stock of its unit for any longer than I have to.' Dubnus cast a pitying sneer over the faces in front of him before speaking again, watching their faces lengthen with the understanding of his methods, passed by whispered word of mouth from his previous century. ‘You’re not soldiers, you’re a fucking waste of rations, a disgrace to the Tungrians! You look like shit, you smell like shit and you’re probably about as hard as shit! That will change! I will kick your lazy fucking arses up and down every hill in the country if I have to, but you will be real soldiers. I will make you ready to kill and die for the honour of this century, with spear or sword or your fucking teeth and nails if need be!’ Marcus cast a questioning look at him, half guessing that the chosen man was deviating from his script, but chose not to challenge his subordinate. ‘You’ll have better food, uniforms and equipment, and soon. Your retraining starts tomorrow morning, so prepare yourselves! Life in this century changes now!’ Dubnus smiled broadly, showing his teeth with pleasure. ‘Your hairy white arses are mine from this second. Get ready to grab your ankles.

As the modern era came into being, the avarice of the usurer was supplanted by interest in the broader and more abstract sense of a share or stake. This new concept of interest was ethically wide-ranging: it ‘came to cover virtually the entire range of human actions, from the narrowly self-centered to the sacrificially altruistic, and from the prudently calculated to the passionately compulsive’.49 The seventeenth-century English statesman and philosopher Lord Shaftesbury summed up the new thinking with his comment that ‘Interest governs the World.’50 In his Fable of the Bees (1714), Bernard Mandeville exposed the paradox at the heart of the modern world, namely that private vices brought public benefits. Adam Smith incorporated Mandeville’s wicked insights into his political economy. In The Wealth of Nations, Smith describes the individual as one who ‘By pursuing his own interest he frequently promotes that of the society more effectually than when he really intends to promote it.’51 A similar thought is expressed in another famous line, in which Smith writes that ‘It is not from the benevolence of the butcher, the brewer, or the baker that we expect our dinner, but from their regard to their own interest.’ The spirit of capitalism was transmitted across networks of credit that connected lenders and borrowers through bonds of mutual self-interest.52 Daniel Defoe described credit as a ‘stock’, synonymous with capital, while the French in Defoe’s day referred to capital as ‘interest’, in the sense of taking a stake.fn6 From a technical viewpoint, capital consists of a stream of future income discounted to its present value. Without interest, there can be no capital. Without capital, no capitalism. Turgot, a contemporary of Adam Smith’s, understood this very well: ‘the capitalist lender of money,’ he wrote, ‘ought to be considered as a dealer in a commodity which is absolutely necessary for the production of wealth, and which cannot be at too low a price.’53 (Turgot exaggerated. As we shall see, interest at ‘too low a price’ is the source of many evils.)

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