共済
Mutual aid was a foundation of social welfare in the United States until the early 20th Century. Early societies not only shared material resources, but often advanced social values related to self-reliance and moral character. Many fraternal organizations were first organized as mutual aid societies when government at the state and local level supplemented private aid societies more than the converse of this being true. In 1890, 112,000 American residents lived in private charitable institutions, while only 73,000 resided in public almshouses. Towards the latter part of the nineteenth century, public aid was reduced as it was seen as contributing to sloth and dependency while private aid was judiciously provided with greater checks for reform and recovery. Writing in 1890, Jacob Riis, commenting on the extent of private charity, says: "New York is, I firmly believe, the most charitable city in the world. Nowhere is there so eager a readiness to help ..."