Before I narrate the struggle for the Indian settlers rights in the Transvaal and their dealing with the Asiatic Department, I must turn to some other aspects of my life.
Up to now there had been in me a mixed desire. The spirit of self-sacrifice was tempered by the desire to lay by something for the future.
About the time I took up chambers in Bombay, an American insurance agent had come there – a man with a pleasing countenance and a sweet tongue. As though we were old friends he discussed my future welfare. 'All men of your status in America have their lives insured. Should you not also insure yourself against the future? Life is uncertain. We in America regard it as a religious obligation to get insured. Can I not tempt you to take out a small policy?'
Up to this time I had given the cold shoulder to all the agents I had met in South Africa and India, for I had though that life assurance implied fear and want of faith in God. But now I succumbed to the temptation of the American agent. As he proceeded with his argument, I had before my mind's eye a picture of my wife and children. 'Man, you have sold almost all the ornaments of your wife,' I said to myself. 'If something were to happen to you, the burden of supporting her and the children would fall on your poor brother, who has so nobly filled the place of father. How would that become you?' With these and similar arguments I persuaded myself to take out a policy for Rs. 10,000.
But when my mode of life changed in South Africa, my outlook changed too. All the steps I took at this time of trial were taken in the name of God and for His service. I did not know how long I should have to stay in South Africa. I had a fear that I might never be able to get back to India: so I decided to keep my wife and children with me and earn enough to support them. This plan made me deplore the life policy and feel ashamed of having been caught in the net of the insurance agent. If, I said to myself, my brother is really in the position of my father, surely he would not consider it too much of a burden to support my widow, if it came to that. And what reason had I to assume that death would claim me earlier than the others? After all the real protector was neither I nor my brother, but the Almighty. In getting my life insured I had robbed my wife and children of their self-reliance. Why should they not be expected to take care of themselves? What happened to the families of the numberless poor in the world? Why should I not count myself as one of them?
A multitude of such thoughts passed though my mind, but I did not immediately act upon them. I recollect having paid at least one insurance premium in South Africa.
Outward circumstances too supported this train of thought. During my first sojourn in South Africa it was Christian influence that had kept alive in me the religious sense. Now it was theosophical influence that added strength to it. Mr. Ritch was a theosophist and put me in touch with the society at Johannesburg. I never became a member, as I had my differences, but I came in close contact with almost every theosophist. I had religious discussions with them every day. There used to be readings from theosophical books, and sometimes I had occasion to address their meetings. The chief thing about theosophy is to cultivate and promote the idea of brotherhood. We had considerable discussion over this, and I criticized the members where their conduct did not appear to me to square with their ideal. The criticism was not without its wholesome effect on me. It led to introspection.