Interest is your reward for risking your capital. Your punishment for failure is that you lose your money.
Would you rather have one apple today or nine apples tomorrow?
How about three vs seven?
Or 4.864 vs 5.136?
Once you decide on the exact ratio, you will have determined for yourself what a just interest rate is. We all have a specific time preference. The market tends to blend them together and find the optimal solution.
Unless you mean something entirely different from "interest", I can discern nothing necessary fraudulent or rapacious about "usury". I oft suspect that it is more a shiboleth than a description.
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