He leads off by stating that due to the change in the times, the gap between the rich and the poor has greatly expanded. This is not to be frowned upon though, as the refinement of civilization is better to be safeguarded by a minority than none at all. The times have improved the lives of both "the master and the servants". Under these conditions, society is more benefited overall, but the question remains on how to distribute this wealth that the laws of nature have already organized? There are 3 ways in which to do this, make it an inheritance, give it out for public purposes, or dispose of it entirely during your lifetime. Leaving it to the care of your children does nothing for society and allows for its slow disentegration at the hands of inadequate possessors. It is even worse to hold on to this fortune with no way to put it to use, specifically in the hands of the community. By utilizing your wealth in life, one can evolve society and close the gap between the rich and poor. The fortune of one can be placed in the hands of the many and serve a higher purpose for the advancement of civilization. A man of wealth is therefore required to use this wealth to improve the lives of the poor beneath him and improve society through his financial distribution.