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[–] prairie ago  (edited ago)

Usury isn't the problem, it's the legal preventions of the market from properly pricing a bank's IOUs. If I do work but let someone else reap the rewards and then pay me back later, there's nothing wrong with me charging them a little more. Just as if I'm a business owner, I'd like to be loaned some capital that I repay for more later, because I can turn it into even more than that by investing in capital and creating value now.