That's when you use the State to seize, punish and/or enslave. I looked into becoming a "small business restructuring professional" at one point, the "enslave" part here is still in a historically mild part of the cycle but handing over personal earnings to creditors for seven years after a business failure is no picnic. Usury as a business model is all about risk-shifting. Push the downside onto the taxpayer while keeping as much of the upside as the (regulated oligopoly) market can bear.