It would also help if the true people with money to lend were able to benefit, rather than the fucking bankers. Fractional reserve banking creates fake money so the people that deposit in banks get shit, while the bankers create trillions in loans. A true bank - even with usury - would be an intermediary, not a money fabrication plant.

I dunno, maybe just an outright flat fee , with a penalty fee for non payment. Interest is rape of ever decreasing amounts ..