Thank you for your work.
Let me test my understanding of the basic concepts:
Capitalism - You can do anything you want with your money/wealth - even usury.
Socialism - You don’t really have any money/wealth - it belongs to whoever we say it does.
Both sound wrong, to me. Just intuitively I prefer the term “Free Market”, though maybe I don’t understand the terms being used.
I really do think Capitalism is right, and you should be able to do with your money whatever you want, as long as it doesn’t impinge on the rights of others. In a free market, usury can’t persist. However, I think it’s perfectly fair to charge different interest rates to different people. After all, not all people have the same creditworthiness.