Fallacy of insolvency laws and their baneful effects This book, "Fallacy of insolvency laws and their baneful effects", by Thomas Ritchie, is a replication of a book originally published before 1885. It has been restored by human beings, page by page, so that you may enjoy it in a form as close to the original as possible. This book was created using print-on-demand technology. Thank you for supporting classic literature.