I think it's non-recourse. That's an investment-grade loan, not usury, as you can walk away debt-free.
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"When money is lent on a contract to receive not only the principal sum again, but also an increase by way of compensation for the use, the increase is called interest by those who think it lawful, and usury by those who do not." William Blackstone's Commentaries on the Laws of England
Money are not being lent in the scenario. Money is posted as collateral and fiat credit is being lent with interest probably below credit growth rate.
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