Prequel KIA showing what really matters
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Usury isn't a problem, it's the person who is taking that offer... but also doesn't want to take it, that is the problem.
If I want to borrow $10 from you rightthissecond, and I promise to pay you it back in 4 weeks, demanding an additional $3 is a good idea in response to me just taking your money for 4 weeks. Thus, a 30% is interest rate is perfectly reasonable.
That being said, it doesn't have too much to do with your original point.
Usury is more than a problem, it's a sin