You know that drill, right?
You re not "borrowing" groceries from Kroger, you are engaging in free trade. You do not pay Kroger interest on your groceries, either. When you pay to borrow something, it is called "rent" and the only "interest" paid is tax, and neither of the parties in the "free contract" benefit from that tax.
Gene, I am too busy to bother with this. Go on, use people whenever you see a profit to be made, it is the "American way."
This is the article that got my posting privileges revoked: