The Confucian scholars lost in "The Debate on Salt and Iron". The issue wasn't an ideological unwillingness to collect taxes; the problem was taxation was done through tax farming, state monopolies and other wasteful systems. Their problem was similar to ancient regime France; the peasants had little and the nobility were untaxed, but the nobility were the people carrying out government functions so it was politically untenable to tax them- who else had the position and experience to run administration of rural areas?
Yet the Song had no problem collecting taxes, they could extract 10-40% depending on need and had 5-10 times the annual income of Ming. Zhu Yuanzhang during his rise also did not have trouble, he made a conscious decision to change this once he ascended the throne. Despite widely hailed as a hero, Yu Qian is also one of the culprits that led Ming down the wrong path regarding economic policy. Merchants were barely taxed/regularly evaded tax compared Europe, the Imperial throne did not spend the necessary energy to change this.
You are going to have to expand on that. I'm pretty sure, just like in Europe, merchants attempted to enter the nobility/literati by marriage and having their children attempt to pass the examination.
I'm also not sure what you mean by exploitation; isn't this the dynasty where the government set prices and used the ever-normal granary to keep food at a reasonable level?
Think about this for a moment. All peasants are required to pay taxes in silver, so when tax time comes, they will need to exchange their coinage into silver. Now if you were a merchant, what would you be doing before tax time? Hint: You should be buying in some type of precious metal to sell at an inflated price later.
Your opinion may differ, but I believe Ming's problems stemmed mostly from its initial economic and military policy. Zhu Yuanzhang had some interesting but uneducated ideas, the implementation of these ideas and subsequent generation's failure to improve/correct paved the way to Ming's decline.
Despite these fatal weaknesses, Ming still managed to keep up with the west pretty much till the end. They did not always adopt western tech, but that's because often there is no need to. For example when the Ming navy fought several skirmishes against the Portuguese, they did not see the need to load their ships with cannons like the Portuguese did. Ming Junks were armed with fire rockets that were just as threatening if not more so due to sailor's unnatural fear for fire. Yet when they blew up one and capture two Portuguese ships, they still reverse engineered the cannons and put them to use in the army. Even at the bitter end, the cannons produced by Ming were almost on par with Portuguese, perhaps 5-10 years behind which is hardly anything during that period.
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