Usury is charging interest on unproductive loans and is evil. Charging interest otherwise is good and often necessary. Read the article and understand why.
No. You made that up.
Interest/usury is the compensation the lender gets for the risk he is taking that he will never get his money back.
The higher the risk, the higher the interest rate.
It's easy to make pronouncements about what other people should do with their money, isn't it.
I have never heard of anyone being forced to take out a loan. Have you? I have never heard of idiots being forced to run up a credit card bill. Have you? I have never heard of idiots being forced to take out a student loan. Have you?
If you can't pay cash for something, you can't afford it.