I love em dashes—and I'll use them as much as I want.
You're arguing with the truth.
“The most hated sort, and with the greatest reason, is usury, which makes a gain out of money itself, and not from the natural object of it. For money was intended to be used in exchange, but not to increase at interest. And this term interest, which means the birth of money from money, is applied to the breeding of money because the offspring resembles the parent. Wherefore of all modes of getting wealth this is the most unnatural.”
— Aristotle (Politics, Book I, Chapter 10)
“To receive usury for money lent is unjust in itself, because this is to sell what does not exist, and this evidently leads to inequality which is contrary to justice.”
— Thomas Aquinas (Summa Theologica II-II, q. 78, a. 1)
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No disrespect to Aristotle or Thomas Aquinas but they are incorrect on this point. I already gave some reasons.
The money does not breed more money. The money already exists. Inequality is natural, and no inequality necessarily emerges from a loan. Todays borrower may be tomorrows lender and vice versa.
I love your first sentence there, by the way.