Throughout the 19th century, when there was a laissez-faire mentality and insufficient regulation, you had one crisis after another. Each crisis brought about some reform. That is how central banking developed.

Lead, kindly Light, amid the encircling gloom,/ Lead thou me on;/ The night is dark, and I am far from home,/ Lead thou me on.

And with the morn those angel faces smile/ Which I have loved long since, and lost awhile.

To holy people the very name of Jesus is a name to feed upon, a name to transport. His name can raise the dead and transfigure and beautify the living.

As for the comparatively small class of violent crimes against persons, unconnected with any idea of gain, they were almost wholly confined, even in your day, to the ignorant and bestial; and in these days, when education and good manners are not the monopoly of a few, but universal, such atrocities are scarcely ever heard of.

Writing tonal music now, you are not writing into the 19th Century.