A neighbr who responded to your barn-brning by lendng you money at interes, would be seen --- in custom and in law --- as an exploiter, not a member of "the community" at all.
In contrast to this, societies where calamities are most covered by insurance, and borrowing is the usual means of capital-accumulation for a profitable business venture, lending at interest is not usury.
But usury still exists. I wish we had better guidance on what is, and what isn't, usury, and why.
I’ve been wanting a thread on usury for some time