Borrowing is a necessary evil, at times. It should be a last resort, especially in a sound money (full reserve) economy. However, (((compounding interest))) is a deception, and it lulls borrowers into complacency in their debt repayment, yielding the lenders more than 200% of the amount borrowed in the case of mortgages. Establishing fees and capping interest ROI for lenders at a fixed amount discourages lending, which, in turn, diminishes and even eliminates debt. (((Lenders))) like deceptively low interest rates with minimal fees to trap their prey.