Originally Posted by Out of the Box
What's not to understand? With usury, you loan your money to others and receive profit from it without doing any work yourself (you just provide the money and that's it). With speculation, you do pretty much the same except that the risks for losing the investment of parts thereof is greater. However, in both cases it is money that creates money whereas in a healthy economy only labor should create money.
Without loans, capital creation is nearly impossible, and the loan has to earn interest for the lender in order to service the debt. You are taking a pretty primitive view of economics. We dont live in the bronze age anymore.