The San Francisco call., 1910-09-26
AUTOIST SCORES
country BANKER
Says Advice Against Buying OF
Cars Is Prompted by
Selfish Motives
Bv R. R. LHoMMEDIEU


Apropos CT the attempt of certain
country bankers to exercise censorship
over the personal affairs of their Gus
toners by pretending to take a per
sonal interest in their aifaifs ana .S
fusing TO loan them money win WHICH
70 huv automobiles. because, forsooJh.
the banker Cwho in nine cases oul %
ten owns one himself) thinks an auto
mobile is not good thing TO buy Tor
fbe other fellow. O. A. Hawkins OF lhe
White companv. who for great many
years was the president OF a hallohal
hank and who is therefore IN a POSI-
tfon to express an opinion Win
1xrozvie5ee of both sides of the case
-4l,ior nrobablv no other banker or
automobile man on the Pacinc coast
nossesses. SAYS the actual reason Tor
&c attitude Of the bankers in the coun-
try is entirely selfish.
IF the customer borroWs the money
~ the bank. or the customer who does
not need 10 borrow the money but mas
II on deposit and uses II 10 buy an
sutomobile" he says. the money j.
taken our Of mis- bank and forwarded
10 the automobile manufacturing cen
rer. and Withdrawals from his bank oN
his customers to pay for automoohes
means q considerable volume OF money
Withdrawn. which, if he could dlscohT-
age the purchasers Of automobiles from
doing. could be used to loan localiY 10
some person. who would redeposll II IN
his bank and then he could loan IL
again TO a third person, and SO on III
sefnitelv until the interest recelF eu
from the multiplicity OF loans from tne
same money would be a conSlderabie ie
feature in enabling him to buy an auto
mobile Of his own.
..rrlrs T.. TX q bout men mOrtSaging lhelr
homes to buy automobiles Is sreali
exaggerated. as there are very rev
.-,,cb rases The country bankers pre-
tended guardianship over the man ~ no
would bnv an automobile by mortga
ing his home is merely an excuse TOT
Min, 10 discourage the sale Of auto
mobiles among people who nave the
money to buy and withdraw the same
from the bank and send II away ioI
that Purpose. No doubt there are eases
where men mortgage their homes OF
other Dr0pertv to buy automobiles ano
in MANY of these cases the automob bile
greatly increases the efficiency OF the
man purchasing il. AS is often the
case the car IS used in his business,
and by enabling him TO get around SO
much faster thereby increases ms EN-
cheney, adds to the general welfare ol
the country. as well as TO ms earning
r,ov-er and 10 his ability not only to
surplus for future accumulation. Wnlch
he could not do without the use Of MS
automobile
That the automobile is q far reach
ing. economic advantage that ADDS
greatly TO the efficiency and worth OF
the community ] think no lntelllgeni
man will dispute The attitude OF
some narrow minded people reminds
one Of the time when the stage driV-
f~f nlffPl
against the oucoming Of the railroad
7 do not think such opposition VIII bf
taken seriously by very many people
but there are always those who SEE
only one side and to such the attitude
of some of the bankers. which they
have taken great pains TO give wld'
publicity viii be misleading
In its various forms, including tn
truck pleasure vehicle and deliver'
r-a gon. the automobile. if used in th'
CITY traffic. would handle four to si'
times the amount of business horses
handle in the same space. as theI
travel faster and naturally save th'
waste space taken up by the teams
The time is not far distant when, il
the large cities. the health department
viii no more allow horses TO be useC
on the streets than they 90 cows, pig
and other animals to run wild in th'
streets at the present time. II il
natural for the reactionaries. wh'
would prefer to return to the period o
the OK team. 10 raise their voices II
protest against progress The automo
bile is here to stay and viii .cOntinu'
to invade the fields Of usefulness
where il has not yet entered and secur'
TO the individual. as we'll TO the ma
tion. an enormous economic gain il
saving OF time and wasted energy"
The Murray motor car company hal
taken the gency for Hudson cars anC
has established sslesroOms at 1716-1l
Broadway (autOmObile row. Th
company is agent also for the Ora
hOWSkV truck