@TomNovak As a young poor dude with bad credit it is pretty easy for me to eschew usury. It lives right next to blasphemy and sodomy according to Dante's non-canonical fantasy. For me, time doesnt make that financial alchemy any more acceptable in the eyes of God, though I know that he meets us where we are and knows our hearts and that his mercy has no ceiling.
We'll see. I may yet charge someone rent or take out another loan in the future.