As silver began to depreciate in value in comparison to gold, and many properties lost their value in proportion to gold, debts became harder to repay through revenue alone, so more businessmen and farmers had to take on more debt to pay off existing loans, and so on and so forth.
42.
For example, where the property is a personal vehicle which has depreciated in value since the time of the purchase, and which the debtor needs to find or continue employment to pay off his debts, the debtor may pay the creditor for the fair market value of the car to keep it.
43.
It probably came into use in 1837, when the banks suspended specie payment, and when paper money became depreciated in value . " Then the book quotes the " New York Tribune " of December 3, 1845 : " The people may whistle for protection, and put up with what shinplaster rags they can get ."
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