So you don't believe in charging interest...which is what "usury" means in Biblical sense.
In fact, the ancient Hebrews didn't do so to one another, and somehow they got along.
Actually, Israel was only forbidden to charge interest to other Israelites. There was no moral opporbrium attached to charging foreigners interest. There was also no immoral fed creating fiat paper money on a fractional reserve system, thus inflating prices to the point that less than 4% interest on a loan is actually losing money.
Biblical economics is not his strong suit.