The Money-Order System
The money-order system, which in England is so popular, has partly failed here. It went into operation on the 1st of November, 1864, under circumstances which promised a decided success. The amount to which the law limited the order-system was not less than one dollar, and not more than thirty dollars. This was to accommodate a certain class of people, and at the same time test the utility of the system for the purpose of hereafter creating a more extensive operation of the principle and also increasing the amount of money sent.
That it is an important step in postal progress its operation in Europe is sufficient proof; but here we started wrong. What should have been a plain, simple transaction between the parties—the paying money and receiving an order—has become perfectly mystified by the ambiguity of the language of the law, as well as the numerous technicalities thrown around it. A poor woman applies to the window for a postal order on New York for ten dollars: she expects the order made payable to herself or to the party to whom she sends it, which on presentation would be immediately paid. It will be observed, upon reading the “General Principles of the Money-Order System” and the “Instructions to Postmasters at Money-Order Offices,” that if this poor woman was requested to read the “laws and regulations” it would be to her “all Greek.” Were the amounts named thousands of dollars instead of pennies, those interested would be of a class whose education and business knowledge would enable them to comprehend it: as it is, we know several instances of poor persons resorting to the old custom of forwarding their money rather than undergo the ordeal of a clerk’s explanation of the law.