@Paleface @BattleDwarfGimli @Hertz @PraxisOfEvil @TrevorGoodchild @dubbub @sickburnbro The value of future money has to be accounted for in the any loan scheme. When people try to break that equation people don't loan.

The compound interest scheme is just one of many ways to model for future value, but if you made it illegal the same parameters would be reshuffled into something that outputs roughly the same return on investment.

If you mandate the return to be lower, then the loans dry up as the money is better spent elsewhere.