Oops, sorry for any confusion - maybe I didn't state it clearly enough before, but, I do think too much regulation is bad.
Some of my perspectives have actually been changed by this discussion - originally I came into this discussion thinking a world without usury might not be so bad.
But, when it finally occurred to me to wonder about what exactly it would take on a practical level to implement that idea, I realized there is probably no realistic way to do it that wouldn't involve a lot of things I find unacceptable.
As I mentioned above somewhere, I think banning usury entirely could lead to terrible results similar to the results of prohibition of alcohol, etc.
However, I'm still not sure total lack of regulation of usury would have good results either.
Just wanted to clarify my position.
Best wishes,
Apollia
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