Prominent among the visitors at Fort Ryan was the Indian Commissioner, with the local agent as his assistant. He opened a temporary office in the barracks, and the morning of his arrival many a lively scene took place as gorgeously dressed bucks, with wives and interpreter, gathered there to receive their treaty money. Although the Colonel was careful to exclude all liquor dealers and known sharpers from the Fort during the issue of the cash, he could not exclude them from the Dakota prairie, and they were hanging about everywhere with their unholy wares and methods. Firewater was, of course, the most dangerous snare; but a great deal of trick robbery was carried on with gaudy knick-knacks for which unbelievable prices were asked and got. The Indians might have parted with all their cash on that morning but for the need they felt of having it to cover their bets on the race.
Red Cloud and his counsellors had been many times to Colonel Waller's house. They had come with money bets, they had come with promises, and now they came with horses, eager to bet horse against horse for the mounts of all the regiment. The Indian chief did not understand the Colonel's refusal until he was told that a mythical Great High Chief named Unca-Sam was the owner of the cavalry mounts—that though Unca-Sam was over a hundred years old, he was a young man yet and knew all that was done in the West. Then it slowly dawned on Red Cloud that these men were riding horses that did not belong to them; he despised them for it, but his Indian honesty made him see how impossible it was to bet the horses that they did not own. However, he managed to stake a throng of ponies against the cattle of the ranchers, and thus the wealth of one side was staked against that of the other.
Next morning saw many wagons come to the Fort, with squaws beside their Indian drivers. They stopped at the Colonel's house, the covers were removed, and great piles of beadwork, coats, leggings, moccasins, baskets, war-clubs, and other characteristic things of Indian work were revealed. It was made clear that these were offered as stakes; would the whites match up the goods? In a spirit of fun, at first, the women of the Fort, as well as the men, began offering household goods or personal gear; a frying pan against a baby-bag, a pair of corsets against a medicine flute, a bureau against a war bonnet. Then, bitten by the craze, they kept on till everything was matched and all the goods tied up in bundles, according to the established custom, to lie in the big, special tepee under guard.
Another band of Red men followed with some tepees that they offered against government tents and, on being refused, finally wagered them against provender and hay. Each day there were new offers as groups of Indians came to the Fort, so that as soon as an Indian outfit on wheels came slowly up, it was quite understood that it was bringing new material to put up on the race. It was toward the end of the time that Red Cloud and his retinue came again, riding in much solemnity. Ignoring all others, he went to Colonel Waller's house and, in his usual deliberate way, after smoking, he began:
"Maybe so, you bet big?"
"Yes, indeed," was Waller's answer.
"Good. We bet all Dakota. You bet United States. Maybe so—yes?"
"No, no," laughed the Colonel.
"You win, we go away out west. We win, you all go back east. Maybe so—yes?"
"No," said the Colonel. "I am only a little chief. The Great High Chief, Unca-Sam, would not allow it."
Red Cloud smoked a while, then resumed:
"Heap afraid, maybe so?" Then, after a pause, "We bet Pine Ridge, you bet Fort Ryan—yes?"
Again the Colonel had to protest that only the Great Father Unca-Sam could deal in such matters; and Red Cloud grunted, "Heap scared," made a gesture of impatience, and rode away.
CHAPTER XXXIX
Jim's Bet
Jim Hartigan had as little interest in money as any Indian. All the things he loved and the pleasures he sought were the things that money could not buy. He wanted to ride and race, be alive, to love and be loved, to get the noblest animal joys, and soar a little—just a little—in the realm of higher things. Money as a power had not been listed in his mind, till a chance remark from Belle gave a wholly different trend to his thoughts.
"Jim, if I had about a thousand dollars, I think I'd be tempted to risk it. I'd go to Deadwood and start a produce commission business there."
That was all she said, and it was spoken lightly, but her words sank deep in Hartigan's mind.
"A thousand dollars might, after all, spell heaven"; and he pondered it long and hard. As mere business, it would not have held his thought an hour; but as a way to bring the happy time more near, it filled his mind for days, but he told her nothing of it. It was in the blacksmith shop that the next step was suggested. John Higginbotham had the floor; as he entered, Jim heard him say to some one in the crowd:
"I'm no betting man. As a deacon of the Church, I cannot countenance betting. As an insurance agent, however, I am quite ready, in all fairness, to negotiate your risk. You simply take out a policy on the—ah—event, reflecting your judgment of the probabilities You pay your premium—100 per cent, or whatever it is—and I, as your agent, place this risk with some established company, or responsible person sufficiently furnished with capital, to assume the liability. Then, as in the case of fire, or marine, or other insurance, the event decides the issue, and the insured draws his insurance in accordance with the terms, less the modest 5 per cent, that I receive for my perfectly legitimate trouble and expense."
Jim had never seen it in that light before; he rather liked the idea. After all, he was heart and soul in the race His joy in Blazing Star was hardly less than it had been; and why not manifest it in a way which held in it the possibilities of the wealth he needed? Why not take out an insurance policy on Blazing Star's winning? He thought of it more and more, and a few days later when he was depressed for once, Belle out of town, and the gloomy prospect of college before him, he drew his precious five hundred dollars from the bank and took it to John Higginbotham to deposit as his premium on insurance that the white men's horse would win the race. He had a feeling that Belle would not approve. But he did not tell her about it, for he wanted to surprise her when he should walk proudly up and put in her hand the one thousand dollars that would surely be his. He felt sure, but not happy; his judgment said "go ahead"; his instincts called a halt; but he went ahead.
Next day he went to Higginbotham. Hannah was there and a look from the deacon kept the Preacher quiet on the matter. When a chance came, the former said: "'Tain't so easy now, Jim. Every one knows the white men's horse is going to win, and there are no more even takers. I'm afraid the best I can do is offer you a two hundred and fifty dollar insurance with a five hundred dollar premium down, and your premium back, of course, if you collect the insurance, less my regular commission."
"All right," said Jim, a little disappointed "let it go at that," and away he went.
Hannah did not usually take a daily part in the office unless John was away; but something about Hartigan's visit prompted her to look more keenly through the books. It was her first knowledge of the new kind of "insurance" and she and John talked it out.