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Historically, usury laws that put below-equilibrium ceilings on interest rates have been used by some states to make credit available to poor people who could

Historically, usury laws that put below-equilibrium ceilings on interest rates have been used by some states to make credit available to poor people who could not otherwise afford to borrow. Critics contend that poor people are those most likely to be hurt by such laws. Which view do you think is correct and why?

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