rationalist.org.uk
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An American businessman enters a town, and wants to establish himself as someone who can be trusted, someone to do business with. It's 1904. He has no contacts. But no matter: he knows there's a surefire way to pass the credit checks of his new neighbours. The businessman joins a church. Max Weber noticed this peculiar system of trust on a trip to America, and observed that "Admission to the congregation is recognised as an absolute guarantee of the moral qualities of a gentleman, especially of those qualities required in business matters." Of course, he added, scarcely a generation after his visit, the habit died away.