"Among the principal criticisms leveled against the merchants was the charge that their profit implied a mortgage on time, which was supposed to belong to God alone. For example, we have the following remarks of a lector-general of the Franciscan order in the fourteenth century concerning a disputed question: "Question: is a merchant entitled... to demand a greater payment from one who cannot settle his account immediately than from one who can? The answer argued for is no, because in doing so he would be selling time and would be committing usury by selling what does not belong to him." ...The whole of economic life at the dawn of commercial capitalism is here being called into question."