Why would anyone lend without any compensation? That's all downside.
This whole conversation is silly. Credit markets are important to a functioning economy. People want to be able to buy a house and live in it before they've saved enough to buy it outright and people with savings want to get a return for lending it out. Why do people make a big deal out of this? It's just a voluntary market transaction.
It's depends obviously on your values, until you change them you'll probably not able to understand the why a loan without usury or fees exists
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True, I will continue to think it's silly.
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