Monday, 15 September 2014

Women, Money and Debt in the 18th Century Novel, Part 3: Roxana, Section 2




Looking at the prevailing obsession with money, the getting and managing of it (and what happens when you can’t pay your debts), in eighteenth century English literature – with specific reference to female heroines in Daniel Defoe’s Roxana (1724); Henry Fielding’s Amelia (1751), and Fanny Burney’s Cecilia (1782).


We left Roxana last time (just to recap) having accepted a contract of cohabitation, written up legally, from the landlord-jeweller.  She had removed her competition in terms of Amy, by causing her to be belittled in both her own and the landlord-jeweller’s eyes (‘the bedding’ – read, the rape of Amy).  We now come to what happened next – what else will Roxana do to guarantee her own safety, materially…and emotionally, so she imagines?  The landlord-jeweller does not last long now she has learned the lesson she needed.  They both decide to move on to other ‘transactions’.  Roxana meets a Prince.
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And just in case you’re a trifle lost – here are the earlier posts in this series, which is really the world’s longest almightiest waffliest dissertation style essay; I totally forgive you for having lost track of where we are!

=> that’s the Introduction and Abstract to this mammoth undertaking!

=> that’s Roxana, Part 1…in a galaxy far far…etc…

And this is Roxana, Part 2!  Welcome!  Let’s get back to it!
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Roxana has learned that to deal with people as transactions, preferably linked to actual cash and/or goods is a far cleaner way of relating, for her.  This lesson is honed in her involvement with the Prince, who in terms of his financial acumen is a dinosaur.  Not only does he load Roxana down with so much portable wealth that she actually devotes quite a lot of page space to worrying how to transport it all (settling on a rather impractical chest which may be stolen) when they travel: “I had a terrible Difficulty upon me […] in what manner to take Care of what I had to leave behind me; I was Rich […], very Rich, and what to do with it, I knew not” (p.100).  The trouble with her liaison with the Prince is that while it makes her very rich indeed, it’s all portables (plate, glass, jewels, furs etc – pp.70-2) and not money that makes money.  Dijkstra presents the liaison as one which teaches Roxana to capitalise on the area of aristocratic financial stagnancy, saving the profits for more fruitful reinvestment.  Roxana is aware that she herself could fall out of favour with the Prince at any moment, and so must preserve her “harvest” (p.75).  She has already learned enough to roundly criticise the Prince’s over lavish gifts and his lack of a sense of the value of commodities – in which she includes herself, clearly:

…they raise the Value of the Object which they pretend to pitch upon by their Fancy; I say, raise the Value of it, at their own Expence; give vast presents for a ruinous favour, which is so far from being equal to the Price, that nothing will, at last prove more absurd, than the Cost Men are at to purchase their own Destruction. (p.74)

An early bank in Amsterdam, acknowledged to be the start of the banking revolution in Europe and the beginning of the growth of rapacious capitalism, still with us today.


The liaison with the Dutch Merchant is the height of her learning about economic matters from a relationship; after this liaison she will be independent of men for a while.  Defoe would have been well aware that Dutch trade was the envied model of operations in England at the time Roxana was written: not only did they have a fully operational banking system, but they understood all forms of capital management and international transfer of funds[1].  England had aspirations of forming a similar banking system, and the incident that leads to Roxana’s involvement with the Dutch merchant serves to emphasize why ‘paperwealth’ is preferable to portable wealth.  For someone who values her privacy as Roxana learns to, the lesson is worth remembering[2].  The complicated incident of saving her jewels from someone who is trying to pretend she stole them so he can keep them for himself teaches her much about both discretion, and the vulnerability of those who carry hard assets about with them.  Considering how much more portable wealth she has after her relationship with the Price, it is vital that she learns the lessons of ‘bills of exchange’ – to be able to convert her cumbersome actual wealth to symbolic and clean (non-traceable and non-accountable) bills.  It is not until she spends her year in Holland, learning the financial system, that she begins to refer to herself as a “woman of business”, a “she-merchant” (p.131).  She resists the temptation to form a partnership with the Dutch merchant, arguing in a twenty-paged debate against marriage for herself, which Dijkstra notes is “in effect as if we are witnessing two merchants trying to outwit each other in a context of commercial rivalry” (p.26).

Beth Swan sees Roxana’s insistence on not marrying at this point as part of an “ongoing critique of law with reference to financial matter in fiction”, that she sees running through the literature of the whole century[3].  She argues that Defoe’s contemporary readers would have well understood issues like settlement laws, maintenance of children, dower and jointure.  I concur with her view (I’ll show it with Amelia’s entanglement’s with debtor’s prison; and Cecilia’s plaguey inheritance).  Without an understanding of the basics of the law that stands like that sword of Damocles over the heads of Roxana’s children at the start of the book; and later, the disposal of income commensurate with a normal marriage contract, one cannot fully appreciate Roxana’s determination not to marry.  She knows that in her society marriage is largely “a matter of cost-benefit analysis” – as even the merchant’s arguments about inheritance imply (p.151) – and that the arrangements have little to do with any law but economics[4].

Roxana’s period in England is marked by her platonic association with real-life scion of progressive English capitalism, Sir Robert Clayton.  He teaches her how to invest and accumulate, in advice that exactly anticipates advice Defoe later provides in A Plan of English Commerce (1927) and The Compleat English Tradesman (1728).  Following his advice to stay on the same path that made her rich (not that he is actually aware of the details), she continues her “depredations on the aristocracy”[5] that worked on the Prince so well.  This time she snares a King. After this foray, and later a Lord, she decides she needs to retire, referring to herself as “an old Piece of Plate […] tarnished and discolour’d” (p.82).  Her realistic assessment of herself as a created commodity with a shifting market value, and her awareness of its true current earning abilities, has been commented on by several feminist critics, such as Sandra Sherman:

As a whore, a commodity, she expands her wealth fabulously.  Tutored by England’s foremost financier [Sir Robert Clayton] Roxana becomes a construction of the market […] emerging as a site in which Defoe configures the discourse of the market through a woman’s capacity to sustain open-ended narrative.[6]

 
This painting of Sir Robert Clayton by Gainsborough in 1769, when he had just ascended to his Baronetcy.


However, in contrast to the connection Sherman makes between Roxana’s economics and her gender, Paula Backscheider sees Roxana’s use of the market as quintessentially male.  She pays men in sex sometimes “because she had rather part with her body than her money” – which is more valuable to her, as it represents that part of herself and her circumstances which she can keep firmly in her control[7].

Despite her great wealth she still feels insecure, and begins to hanker after titles: an even greater form of material security, in the form of respect and respectability.  Her Dutch merchant reappears and cleverly offers her two titles, one in England and one in Holland, both of which can be bought – saving her from the need to marry into aristocratic blood.  She sees, after this scheme has worked well, that it may now be time to marry again, as she now has enough wealth to even be able to give some up if necessary.  Though she has a genuine affection for the merchant, she has been determined to wait to marry until in a position of financial strength (another bit of advice urged in Defoe’s Compleat English Tradesman).  She comments to herself that if she had allowed herself to marry earlier, “I shou’d not have been half so rich” (p.243).

Critics have been in disagreement over what the many enumerations of Roxana’s wealth signify for her character within the text.  For Dijkstra, who argues that Defoe’s presentation of the couple’s accounts to each other manifests the “true climax” to the novel, it is a way of ignoring the emotional side of her personality – and the consequences this part of her identity suffers by the close of the book.  Hence his eliding of the true ending of the novel; it does not fit with his reading of events[8].  Mona Scheuermann too views the counting of wealth as “among the most joyous [sections] in the book”; however, whilst she acknowledges the able businesswoman in Roxana, she does not pretend to ignore the cost to Roxana of these many calculations[9].  It has been suggested that Roxana hides her true self – whatever that may actually be seen to be – behind the transactions and her enumerations of her wealth.  For example, Madeleine Kahn argues that her ‘disguises’ (the whole ‘Roxana’ identity, when her real name is Susan, as is her daughter’s) and her quest for goods are “act[ing] out this fantasy of the free self in her quest for money”[10].  This is allied with a parallel disregard and denial of her now grown up daughter, who is catching up with her and will spell the end of her compartmentalization of herself.  No longer will she be able to juggle the woman, the wife, the whore, the businesswoman – and “use all of these as a shield against the role of mother” which she gave up at the start of her financial disasters[11].


Influential feminist reading of Roxana - yet to me, incomplete in its portrayal of her

However, it is at this late stage of the book that she undergoes a sea change of attitude.  Though she has already begun to experience (intermittently) a paralysing guilt about the source of her wealth (as discussed earlier in these posts: her “secret Hell within”, p.260), it is not until the pursuit by Susan that she begins to crack under the strain.  Her daughter has been searching for her ever more assiduously, and unlike her other children who have been fobbed off with presents and gifts of security, Susan is determined to have her real mother in the flesh.  Paradoxically, although Roxana entered prostitution in the first place to ensure that her remaining children had some money coming to them and were well provided for, she has been content to view them from a distance – but the child is set on exposing her.  Since Roxana’s financial framework now includes a desperate desire for quiet respectability, she is terrified by this child’s demands – demands that threaten her “Secret History” (p.317).  Thus, her quest for material well-being has become circular.  That is, her movement from poverty to riches may have involved a gradual but marked expansion in her horizons – an expansion quantified in terms of large houses, elaborate foods, expensive trinkets/baubles, and finally, titled friends and gaining a title herself.  Nevertheless, towards the end of the book, Roxana is so fearful of discovery by Susan, that to avoid detection she becomes almost reclusive.  A victim of her own renown, she hides in confinement from “that vexatious Creature, my girl” (p.316).

Thus, towards the end of the book, her life closes her in, no longer bringing her independence from poverty or the snares of others; or any kind of happiness – the child threatens to take from her any kind of security she spent her whole adult life accumulating.  James R. Sutherland postulates a persuasive idea: that all of Roxana’s actions and reactions in this book are pure economics – all must be paid for; there is no free lunch.  That Roxana’s retribution at the hands of Susan is all part of the ‘deal’ she must have known she was making with Providence when she first entered a life of crime, a breaking of the norms of her society by her chosen profession – be that as whore or businesswoman in a man’s world[12].  He argues that towards the end Roxana becomes a novel of retribution.  This is backed by the text itself, with the limp and poignant last paragraph including the lines: “I was brought so low again that my Repentance seem’d only the Consequence of my Misery, as my Misery was of my crime.”  Not only does Roxana’s lifestyle need to be paid for, but it appears that Amy may well have murdered Susan for Roxana’s sake.  Ironically, Roxana entered prostitution to protect her children’s security, and ends up an accessory to murder of her own child to protect her own. 

In this way, Roxana is almost entirely defined and framed by her need for financial security, leading to her pathological need for privacy, causing the fear of exposure by her daughter – thus her destiny has been shaped by herself from the first to last pages of the book.  She has always mistaken monetary security for psychological security.  The punishment (harsh) for this is that she loses all the security she gained: “I fell into a dreadful course of Calamities, and Amy also, the very Reverse of our former Good Days” (pp.329-330).

Maxamilian Novak – a staunch disapprover of Roxana’s moral choices – believes that her predicament is the just consequence of her moral decline; that she has done nothing but compromise after her initial foray into prostitution[13].  However, Novak’s reading fails to recognise the power of Roxana’s financial imperatives.  Her upbringing has made her so fixated on financial matters and their importance to her that virtually any happening of importance in the book – and many of little import at all – are couched within the vernacular of banking or law. Here are three examples out of a huge number of possible instances.

When the Dutch merchant does not insist on their marriage immediately, when he and Roxana meet again in the second half of the book, she expresses her relief in a purely monetary way, ever mindful of obligation and balance, and how debt can be paid:

…Opportunity to discharge the only Obligation that endanger’d me, […] I hop’d he was satisfied I had paid the Debt, by offering myself to be chain’d; but was infinitely Debtor to him another way, for letting me remain free. (p.225)

Indeed, Roxana’s motivations and justifications are ALWAYS couched in financial terms.  Thus when she decided to give a gift to her friend, the Quaker, on her marriage to the Dutch merchant, she does so, but first complains the allowance they settle on her is “a little too much” (despite her own personal riches! [p.250]). She then decides to give the Quaker and Amy some of her plate – but only because she is worried her husband might think she had suspiciously too much…

…he might be apt to wonder what Occasion I cou’d ever have for so much, and for Plate of such a kind too; […] as cost a hundred and twenty pound […] what I gave the Quaker was worth above sixty Pounds […] and yet I had a great deal left for my Husband. (p.254)

Finally, when near the end of the book, she quarrels with Any and sends her away, what she notices foremost is not the lack of her friend; but the absence of her book-keeper: “I had lost my Right-Hand; she was my Steward; […] did all my Business, and without her, indeed, I knew not how to go away” (p.318).  These kinds of examples are telling: they show someone in whom normal human relationships have been almost entirely eroded by an obsession with acquiring (and holding onto) money.

There has been a dual focus at the core of Roxana all the way through the book.  It is undeniable that there are jaunty passages, where Roxana seems very happy with all she has accumulated and achieved.  Critics like Dijkstra, and to a lesser degree the feminist Scheuermann, take their cue from Roxana’s positive appraisal of her life.  Scheuermann makes the vital point that:

Defoe insists in both Moll Flanders and Roxana that a woman’s potential for productive work is limited only by society’s definition of what means for earning money are available to her. […] She is an economically capable human being[14].

But this sunny evaluation is only half the story: the other side of the tale is the chronicling of an obsession for acquiring security and money – an obsession that ignores all cost to human relationships.  Both Dijkstra and Scheuermann are so keen to fit Roxana into a mold of female empowerment; they neglect to count the cost to her of her actions.  To say that Defoe conveys the high cost of Roxana’s economic compulsion is not the same as saying Defoe or the novel condemn her – here, I depart from the more lurid and judgemental bias of Starr, and to an extent, even Richetti.  But Defoe made clear that Roxana’s original motivation of the survival and protection of her children slides chillingly into murdering one of them.

The ending of Roxana is harrowing in its brevity – in one sentence, the vibrant and flamboyant career of Roxana is over (pp.329-330): she loses everything, and is thrown into jail for non payment of a debt, where she repents, tells her tale to a friend, and dies, penniless but strangely harrowed or cleansed.  I wouldn’t say it counts as a repentance novel – a theme still so beloved as a motif today, and whilst much has been made amongst certain critics of her being a Protestant and the famous line of her being a ‘Protestant whore’, as opposed to a Catholic whore, and therefore with less guilt, it has been implied, I think this nod to religion misses much social historical and economic reality, by trying to steal retribution/ repentance as the main theme of the novel. 

Dijkstra makes no mention of this pathetic end, a thorough reversal of fortune for Roxana and Amy; it is left to other critics to note that:

[…] the novel ends without enclosing its disturbing narrative within the commonplace repentance and prosperity theme. Her attempt at self determination can only be purchased at the cost of social and psychological alienation[15].

Novak encapsulates the emotional element of Roxana’s character that Dijkstra and Scheuermann have ignored, when he reminds us that the ending of Roxana is charged “with the kind of raw anguish that the British novel usually avoids”[16].


A Hogarth impression of debtors imprisoned in the Fleet in London, 1757.  Roxana was in an Amsterdam jail, but it would have been as squalid - and more lonesome, as she had no one but a s last minute made friend to visit her as she lay dying; not surrounded by her whole family, as shown here...

The book shows both the cost of ruthless economic conquest, and the socio-economic motivations that a woman can labour under.  In the next novel I examine, Amelia, what happens to the heroine provides a retrospective endorsement of Roxana’s obsession with finances – as it shows what happens within a marriage of that period if the wrong financial choices are made by the party with the most control over them: the male.


[1] Porter, p.186 (see previous post for full book title etc).
[2] In A Polite and Commercial People, 1727-1783, Paul Langford comments on England’s quest to become a ‘Paperwealth’ like Holland – and indicates we were well on the way (Oxford: Clarendon Press, 1998 this edn.), p.568.
[3] Beth Swan, Fictions of Law (Frankfurt: Peter Lang, 1997), p.74.
[4] W. Austin-Flanders, Structures of Experience: History, Society and Personal Life in the Eighteenth Century British Novel (Colombia, South Carolina: University of South Carolina Press, 1984), pp. 58-59.
[5] Dijkstra, p.56.
[6] Sandra Sherman, Finance and Fictionality in the Early Eighteenth Century: Acoounting for Defoe (Cambridge: Cambridge University Press, 1996), pp.157-158.
[7] Paula R. Backscheider, ‘Roxana’, in Critical Essays on Daniel Defoe, ed. Roger D. Lund (New York: G.K. Hall & Co, 1997), p.251.
[8] Dijkstra, p.65.
[9] Mona Scheuermann, Her Bread to Earn: Women, Money and Society from Defoe to Austen (Kentucky: University Press of Kentucky, 1993), p.54.
[10] Madeleine Kahn, Narrative Transvestism: Rhetoric and Gender in the Eighteenth Century English Novel (London: Carroll University Press, 1991), p.75.
[11] Carol Houlihan Flynn, ‘Defoe’s Idea of Conduct: Ideological Fictions and Fictional Reality’, in the Ideology of Conduct: Essays in Literature and the History of Sexuality, ed. Nancy Armstrong and Lennard Tennenhouse (New York and London: Methuen, 1987), pp.73-96 (p.87).
[12] James R. Sutherland, ‘The Conclusion of Roxana’, in Daniel Defoe: A Collection of Critical Essays, ed. Max Byrd (Englewood Cliffs, NJ: Prentice-Hall Inc., 1976), pp.132-143 (p.140-1).
[13] Novak, pp.108, 111, 112-13 (see previous post for full book reference).
[14] Scheuermann, p.13.
[15] Clive T. Probyn, English Fiction of the Eighteenth Century: 1700-1789 (Harlow: Longman, 1987), p.42.
[16] Maximilian Novak, ‘Defoe as an Innovator of Fictional Form’, in The Cambridge Companion to the Eighteenth Century Novel, ed. John Richetti (Cambridge: Cambridge University Press, this edn. 2002), pp.41-72 (p.66).

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