Fifty-two years ago in August, 1905, I went to Abbott, Texas, as principal of the school. Later in the fall the little bank in West, Texas, seven miles away, failed. This story was told to me: A farmer sold his farm for $3600 cash. He reached the bank as the cashier was closing the doors. The farmer said, “I have just sold my farm. Here are $3600 — all I own is in my hands. I am afraid …