Banking Without Usury: A Thought Experiment

In a financial system where we have a banking system that generates money out of nothing, what is the purpose of borrowers paying any interest at all? What is the societal purpose of banks to begin with? If usury is wrong at any level, even at a 1% interest, how could we have a banking system where it's worth it to even be a bank? I think I have an idea. Find more of our content at: https://irida.tv/ Check out our forbidden news aggregator at: https://dissentwatch.com/